| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES W. TAPERT INSURANCE AGENCY3 Filed as: CHARLES W. TAPERT INS. AGENCY | 14 NORTH BALDWIN AVENUE SIERRA MADRE, CA 91024 | BLUE SHIELD OF CALIFORNIA | $0 | $17K | $17K | 5.34% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS. CENTER | 425 CALIFORNIA STREET, SUITE 2400 SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN INC. | $8K | $0 | $8K | 3.66% |
| BENEFITS AMERICA INS. SVCS., LLC3 Filed as: BENEFITS AMERICA INS. SERVICES LLC | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | KAISER FOUNDATION HEALTH PLAN INC. | $3K | $0 | $3K | 1.36% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS. CENTER | 19000 MACARTHUR BOULEVARD PENTHOUSE IRVINE, CA 92612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.59% |
| BENEFITS AMERICA INS. SVCS., LLC3 Filed as: BENEFITS AMERICA INS. SERVICES LLC | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $805 | $3K | 3.81% |
| EDGEWOOD PARTNERS INSURANCE CENTER5 Filed as: EDGEWOOD PARTNERS INS. CENTER | 3000 EXECUTIVE PARKWAY, SUITE 325 SAN RAMON, CA 94583 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.78% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS. CENTER | 19000 MACARTHUR BOULEVARD PENTHOUSE IRVINE, CA 92612 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $0 | $2K | 11.58% |
| BENEFITS AMERICA INS. SVCS., LLC3 Filed as: BENEFITS AMERICA INS. SERVICES LLC | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | MUTUAL OF OMAHA INSURANCE COMPANY | $609 | $0 | $609 | 3.41% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS. CENTER | PO BOX 5668 CONCORD, CA 94524 | CALIFORNIA DENTAL NETWORK | $480 | $0 | $480 | 7.03% |
| CHARLES W. TAPERT INSURANCE AGENCY3 Filed as: CHARLES W. TAPERT INS. AGENCY | 14 NORTH BALDWIN AVENUE SIERRA MADRE, CA 91024 | CALIFORNIA DENTAL NETWORK | $203 | $0 | $203 | 2.97% |
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 | 134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 56 | $542K |
| Dental(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 134 | $74K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 134 | $67K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 134 | $67K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 134 | $67K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 134 | $18K |
| Prescription drug(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 56 | $542K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 134 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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."
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.