| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN ST 21ST FLOOR SAN FRANCISCO, CA 94105 | BLUE SHIELD OF CALIFORNIA PHYSICIANS' SERVICE | — | $111K | $111K | 3.10% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $1K | $6K | 5.64% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 225 NE MIZNER BLVD STE 675 BOCA RATON, FL 33432 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| REMMEL SOLUTIONS4 | 1183 SWALLOWTAIL WAY NIPOMO, CA 93444 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $7K | — | $7K | 26.30% |
| EDGEWOOD PARTNERS INSURANCE CENTER4 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 4.81% |
| CHERYL A. COBBIN4 Filed as: CHERYL A COBBIN | 2931 TILDEN DR ROSEVILLE, CA 95661 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $111 | — | $111 | 0.39% |
| MINES INSURANCE SERVICES INC3 Filed as: MINES INSURANCE SERVICE INC | 1519 BARTH AVE RICHMOND, CA 94806 | AFLAC | $2K | $79 | $2K | 6.25% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 734004 CHICAGO, IL 60673 | AFLAC | $676 | — | $676 | 2.63% |
| KRISTINA J KUNZ3 | 118 GRANVILLE WAY SAN FRANCISCO, CA 94127 | AFLAC | $122 | $18 | $140 | 0.54% |
| JONATHAN ALI HAJIMOMEN3 Filed as: JONATHAN DANIEL PAYNE | 3572 SHADOWTREE LN CHICO, CA 95928 | AFLAC | $129 | — | $129 | 0.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B ST FL 6 SAN DIEGO, CA 92101 | AFLAC | $72 | — | $72 | 0.28% |
| MICHAEL C WALKER3 Filed as: MICHAEL JAMES RHODD | 4160 GREEN VALLEY RD FAIRFIELD, CA 94534 | AFLAC | $61 | — | $61 | 0.24% |
| JUSTIN M REYNOLDS3 | 8433 ENTERPRISES CIR STE 100 LAKEWOOD RANCH, FL 34202 | AFLAC | $59 | — | $59 | 0.23% |
| JON P BATES JR3 | 440 REGENTS PARK RD VALLEGO, CA 94591 | AFLAC | $45 | — | $45 | 0.18% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DR WALNUT CREEK, CA 94598 | AFLAC | $41 | — | $41 | 0.16% |
| SERGIO I GARCIA3 | 7738 A C SKINNER PKWY APT 5417 JACKSONVILLE, FL 32256 | AFLAC | $40 | — | $40 | 0.16% |
| SAHAR QABAZARD3 | 3756 DEER TRAIL CT DANVILLE, CA 94506 | AFLAC | $24 | — | $24 | 0.09% |
| MANA INSURANCE SOLUTIONS INC3 | PO BOX 930 MAKAWAO, HI 96768 | AFLAC | $18 | — | $18 | 0.07% |
| REBECCA J HANEY3 | 2300 HEMLOCK AVE CONCORD, CA 94520 | AFLAC | $14 | — | $14 | 0.05% |
| GUILLERMO H PALOMINO3 | 2319 E EDNA AVE PHOENIX, AZ 85022 | AFLAC | $13 | — | $13 | 0.05% |
| VICTORIA L FLYNN3 Filed as: VICTORIA HOWARD | 1365 CAMINO PERAL #A MORAGA, CA 94556 | AFLAC | $10 | — | $10 | 0.04% |
| KEVIN DAVID KIME3 | 1708 MAKEFIELD RD YARDLEY, PA 19067 | AFLAC | $3 | — | $3 | 0.01% |
| SARAH ELIZABET SPINA3 | 5158 MCCOY AVE SAN JOSE, CA 95130 | AFLAC | $3 | — | $3 | 0.01% |
| WILLIAM G SHIELDS3 | 4658 VISTA ST SAN DIEGO, CA 92116 | AFLAC | $2 | — | $2 | 0.01% |
| LAUREL NICOLE HARMS3 | 785 TURRINI DR DANVILLE, CA 94526 | AFLAC | $2 | — | $2 | 0.01% |
| JEROME RAYMOND STRAYVE JR3 | 2358 UNIVERSITY AVE 776 SAN DIEGO, CA 92104 | AFLAC | $2 | — | $2 | 0.01% |
| EDWARD M RYSKA3 | 6010 ROBLAR RD PETALUMA, CA 94952 | AFLAC | $1 | — | $1 | 0.00% |
| PAUL GLOBAL BENEFITS INC2 Filed as: PAUL SCHNAIDER | 2521 SHADOWBROOKE RD BRENTWOOD, CA 94513 | AFLAC | $1 | — | $1 | 0.00% |
| ANDREW R GRETHEL3 | 11739 HICKORY RUN CT LOVELAND, OH 45140 | AFLAC | $1 | — | $1 | 0.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 225 NE MIZNER BLVD STE 675 BOCA RATON, FL 33432 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 511 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 514 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA PHYSICIANS' SERVICE | 494 | $3.6M |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 304 | $113K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 503 | $13K |
| Short-term disability | AFLAC | 39 | $26K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 449 | $95K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA PHYSICIANS' SERVICE | 494 | $3.6M |
| Other(2 contracts, 2 carriers) | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | 503 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 503 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.