| 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 | — | $40K | $40K | 5.29% |
| AMWINS3 Filed as: AMWINS CONNECT INS SVCS, LLC | 1600 HILLSDALE BLVD, SUITE 201 SAN MATEO, CA 94402 | CALIFORNIA PHYSICIANS SERVICE | — | $26K | $26K | 3.44% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $7K | — | $7K | 8.69% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD, SUITE 300 RANCHO CORDOVA, CA 95670 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | — | $3K | 3.84% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | AMERICAN FIDELITY ASSURANCE COMPANY | $466 | — | $466 | 0.58% |
| RENBERG COMPLIANCE3 Filed as: RENBERG COMPLIANCE & INS SVCS INC. | 7395 N PALM BLUFFS AVE, STE 105 FRESNO, CA 93711 | AMERICAN FIDELITY ASSURANCE COMPANY | $98 | — | $98 | 0.12% |
| CHIMIENTI & ASSOCIATES3 Filed as: CHIMIENTI & ASSOC INS SVC | 3400 W MINERAL KING, STE B VISALIA, CA 93291 | AMERICAN FIDELITY ASSURANCE COMPANY | $96 | — | $96 | 0.12% |
| BALDWIN-GEORGENTON INS AGENCY, INC.3 | 5401 BUSINESS PARK S, STE 107 BAKERSFIELD, CA 93309 | AMERICAN FIDELITY ASSURANCE COMPANY | $76 | — | $76 | 0.09% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD, SUITE 300 RANCHO CORDOVA, CA 95670 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD, SUITE 300 RANCHO CORDOVA, CA 95670 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD, SUITE 300 RANCHO CORDOVA, CA 95670 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD, SUITE 300 RANCHO CORDOVA, CA 95670 | METROPOLITAN LIFE INSURANCE COMPANY | $964 | $144 | $1K | 11.39% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD, SUITE 300 RANCHO CORDOVA, CA 95670 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| BALDWIN-GEORGENTON INS AGENCY, INC.3 | 5401 BUSINESS PARK S, STE 107 BAKERFIELD, CA 93309 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $786 | — | $786 | 13.71% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD, SUITE 300 RANCHO CORDOVA, CA 95670 | CALIFORNIA DENTAL NETWORK, INC. | $507 | — | $507 | 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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 95 | $840K |
| Dental(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 65 | $51K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 148 | $10K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $32K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 50 | $80K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 50 | $88K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 95 | $760K |
| Other(4 contracts, 3 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 156 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.