| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD, SUITE 300 RANCHO CORDOVA, CA 95670 | CALIFORNIA PHYSICIANS SERVICE | — | $27K | $27K | 5.83% |
| AMWINS3 Filed as: LISI INC | 1600 W HILLSDALE BLVD, SUITE 201 SAN MATEO, CA 94402 | CALIFORNIA PHYSICIANS SERVICE | -$840 | -$53 | -$893 | -0.19% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $5K | — | $5K | 8.26% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD, SUITE 300 RANCHO CORDOVA, CA 95670 | AMERICAN FIDELITY ASSURANCE COMPANY | $663 | — | $663 | 1.12% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | AMERICAN FIDELITY ASSURANCE COMPANY | $303 | — | $303 | 0.51% |
| BALDWIN-GEORGENTON INS AGENCY, INC.3 | 5401 BUSINESS PARK S, STE 107 BAKERSFIELD, CA 93309 | AMERICAN FIDELITY ASSURANCE COMPANY | $275 | — | $275 | 0.46% |
| RENBERG COMPLIANCE3 Filed as: RENBERG COMPLIANCE & INS SVCS | 7395 N PALM BLUFFS AVE. SUITE 105 FRESNO, CA 93711 | AMERICAN FIDELITY ASSURANCE COMPANY | $86 | — | $86 | 0.15% |
| CHIMIENTI & ASSOCIATES3 Filed as: CHIMIENTI & ASSOC INS SVC | 3400 W MINERAL KING, #B VISALIA, CA 93291 | AMERICAN FIDELITY ASSURANCE COMPANY | $73 | — | $73 | 0.12% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD, SUITE 300 RANCHO CORDOVA, CA 95670 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 8.36% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD, SUITE 300 RANCHO CORDOVA, CA 95670 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD, SUITE 300 RANCHO CORDOVA, CA 95670 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $710 | — | $710 | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD, SUITE 300 RANCHO CORDOVA, CA 95670 | METROPOLITAN LIFE INSURANCE COMPANY | $594 | $100 | $694 | 11.80% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD, SUITE 300 RANCHO CORDOVA, CA 95670 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $580 | — | $580 | 15.00% |
| BALDWIN-GEORGENTON INS AGENCY, INC.3 | 5401 BUSINESS PARK S, STE 107 BAKERFIELD, CA 93309 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $373 | — | $373 | 14.32% |
| BALDWIN-GEORGENTON INS AGENCY, INC.3 | 5401 BUSINESS PARK S, STE 107 BAKERFIELD, CA 93309 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$21 | — | -$21 | -0.81% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 85 | $529K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 45 | $25K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 120 | $6K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 131 | $18K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 38 | $59K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 38 | $63K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 85 | $470K |
| Other(4 contracts, 3 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 131 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.