| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102158 PASADENA, CA 91189 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $126K | $4K | $130K | 5.61% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 21650 OXNARD STREET STE 2350 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 12.49% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 21650 OXNARD STREET STE 2350 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 12.44% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST SAN FRANCISCO, CA 94104 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 11.14% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 21650 OXNARD STREET STE 2350 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $369 | — | $369 | 12.70% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 177 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 150 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 153 | $2.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 153 | $2.3M |
| Vision | AETNA LIFE INSURANCE CO. | 202 | $19K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 210 | $44K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 83 | $27K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 210 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.