| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | ANTHEM BLUE CROSS LIFE AND HEALTH INSUARNCE COMPANY | $23K | — | $23K | 18.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT AND RISK MANAGEMENT SERVICE EIN 68-0306908 NONE | Claims processing Service code 12 | 80 IRON POINT CIRCLE SUITE 200 FOLSOM, CA 95630 | $261K |
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Contract Administrator; Float revenue Service code 12 | 1351 WM HOWARD TAFT RD CINCINNATI, OH 452061721 | $91K |
| EDGEWOOD PARTNERS INSURANCE CENTER EIN 94-3195221 NONE | Consulting (general) Service code 16 | 135 MAIN STREET - 21ST FLOOR SAN FRANCISCO, CA 94105 | $77K |
| WILLIAMS & OLDS EIN 01-0560769 NONE | Accounting (including auditing) Service code 10 | 900 UNIVERSITY AVENUE SUITE 100 SACRAMENTO, CA 95825 | $27K |
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 | 342 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSUARNCE COMPANY | 342 | $126K |
| Long-term disability | ANTHEM BLUE CROSS LIFE AND HEALTH INSUARNCE COMPANY | 342 | $126K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY OF CALIFORNIA | 342 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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.
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.