| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN ST 21ST FLOOR SAN FRANCISCO, CA 94105 | CALIFORNIA PHYSICIANS' SERVICE | — | $69K | $69K | 4.95% |
| AMWINS3 Filed as: AMWINS CONNECT INS SVC LLC | 1600 W HILLSDALE BLVD SUITE 201 SAN MATEO, CA 94402 | CALIFORNIA PHYSICIANS' SERVICE | $27K | — | $27K | 1.96% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $9K | — | $9K | 8.78% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | AMERICAN FIDELITY ASSURANCE COMPANY | $5K | — | $5K | 4.47% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 300 GALLERIA PKWY #1950 ATLANTA, GA 30339 | AMERICAN FIDELITY ASSURANCE COMPANY | $269 | — | $269 | 0.26% |
| CHIMIENTI & ASSOCIATES3 Filed as: CHIMIENTI & ASSOC INS SVC | 3400 W MINERAL KING #B VISALIA, CA 93291 | AMERICAN FIDELITY ASSURANCE COMPANY | $52 | — | $52 | 0.05% |
| BALDWIN-GEORGENTON INS AGENCY, INC.3 Filed as: BALDWIN-GEORGENTON INS AGENCY INC | 8200 STOCKDALE HWY BAKERSFIELD, CA 93309 | AMERICAN FIDELITY ASSURANCE COMPANY | $12 | — | $12 | 0.01% |
| RENBERG COMPLIANCE3 Filed as: RENBERG COMPLIANCE & | INSURANCE SERVICES INC 7395 N PALM BLUFFS AVE #105 FRESNO, CA 93711 | AMERICAN FIDELITY ASSURANCE COMPANY | -$117 | — | -$117 | -0.11% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1720 NE 4TH ST BEND, OR 97701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 225 NE MIZNER BLVD STE 675 BOCA RATON, FL 33432 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.19% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1720 NE 4TH ST BEND, OR 97701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 225 NE MIZNER BLVD STE 675 BOCA RATON, FL 33432 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.56% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1720 NE 4TH ST BEND, OR 97701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 225 NE MIZNER BLVD STE 675 BOCA RATON, FL 33432 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $568 | $568 | 4.34% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $224 | $1K | 11.73% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 4675 MACARTHUR CT STE 750 NEWPORT BEACH, CA 926608891 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5 | $5 | 0.04% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1720 NE 4TH ST BEND, OR 97701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 225 NE MIZNER BLVD STE 675 BOCA RATON, FL 33432 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $530 | $530 | 4.52% |
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 | 168 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 158 | $1.5M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $78K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 191 | $13K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 168 | $36K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 56 | $103K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 56 | $115K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 158 | $1.4M |
| Other(3 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 168 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.