| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST. STE 2400 SAN FRANCISCO, CA 94104 | UNIMERICA LIFE INSURANCE COMPANY | $158K | — | $158K | 5.75% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | P.O. BOX 232017 PLEASANT HILL, CA 94523 | STANDARD INSURANCE COMPANY | $73K | $11K | $85K | 7.11% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DRIVE, 3RD FLOOR MELVILLE, NY 11747 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 1.27% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | P.O. BOX 232017 PLEASANT HILL, CA 94523 | STANDARD INSURANCE COMPANY | $54K | $12K | $67K | 7.91% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DRIVE, 3RD FLOOR MELVILLE, NY 11747 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 1.26% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $40K | $10K | $50K | 10.64% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | NORTHEAST INC. 55 BROADWAY SUITE 701 NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $21K | $21K | 4.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURNCE SERVICES, INC | 1250 CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $20K | $20K | 4.36% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $72 | $72 | 0.02% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $5K | $17K | 8.63% |
| CAL-SURANCE BENEFIT PLANS INC3 | 2377 CRENSHAW BLVD STE 150 TORRANCE, CA 90501 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.21% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $2K | $2K | 1.01% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | SOUTHEAST INC. 40 WALL STREET SUITE 1304 NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $17K | $4K | $21K | 18.06% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94524 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $2K | $14K | 11.87% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | NORTHEAST INC. 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $6K | $6K | 5.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 7.43% |
| CAL-SURANCE BENEFIT PLANS INC3 | 2377 CRENSHAW BLVD STE 150 TORRANCE, CA 90501 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $560 | — | $560 | 0.68% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $421 | $421 | 0.51% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | SOUTHEAST INC. 40 WALL STREET SUITE 1304 NEW YORK, NY 10005 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $6K | $1K | $7K | 14.53% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94524 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $4K | $705 | $5K | 9.43% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | NORTHEAST INC 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $2K | $2K | 4.00% |
| CRAWFORD, KENT, MYRON3 | 3620 BIRCH ST NEWPORT BEACH, CA 92660 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | — | $2K | 9.33% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $310 | $310 | 1.65% |
| CRAWFORD, KENT, MYRON3 | 3620 BIRCH ST NEWPORT BEACH, CA 92660 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $555 | — | $555 | 6.00% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $85 | $85 | 0.92% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $369 | $156 | $525 | 10.67% |
| CAL-SURANCE BENEFIT PLANS INC3 | 2377 CRENSHAW BLVD STE 150 TORRANCE, CA 90501 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $134 | — | $134 | 2.72% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $98 | $98 | 1.99% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP SE | 40 WALL ST STE 1304 NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $296 | $48 | $344 | 13.15% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP NE | 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $124 | $124 | 4.74% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $50 | $24 | $74 | 2.83% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $140 | $68 | $208 | 8.83% |
| CAL-SURANCE BENEFIT PLANS INC3 | 2377 CRENSHAW BLVD STE 150 TORRANCE, CA 90501 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 1.23% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $22 | $22 | 0.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE SHIELD OF CALIFORNIA EIN 94-6077403 NONE | Claims processing; Employee (plan) Service code 12 | — | $360K |
| EDGEWOOD PARTNERS INSURANCE CENTER EIN 94-0360524 NONE | Claims processing Service code 12 | — | $10K |
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 | 1,482 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,543 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 1,747 | $1.2M |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,730 | $844K |
| Stop-loss / reinsurancereinsurance | UNIMERICA LIFE INSURANCE COMPANY | 1,507 | $2.8M |
| Other(11 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,482 | $952K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,747 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.