| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 19000 MACARTHUR BLVD IRVIN, CA 92612 | AETNA HEALTH, INC. | $33K | — | $33K | 4.99% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 19000 MACARTHUR BLVD IRVINE, CA 92612 | AETNA HEALTH, INC. | $13K | $1K | $15K | 6.30% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EPIC- EDGEWOOD PARTNERS INS CTR | PO BOX 102159 PASADENA, CA 91189 | AMERICAN FIDELITY ASSURANCE COMPANY | $6K | — | $6K | 5.38% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIEDELITY ASSURANCE COMPAN | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $999 | — | $999 | 0.95% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN ST 21ST FL SAN FRANCISCO, CA 94105 | BLUE SHIELD OF CALIFORNIA LIFE INSURANCE COMPANY | $1K | — | $1K | 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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AETNA HEALTH, INC. | 103 | $889K |
| Dental | AETNA HEALTH, INC. | 103 | $233K |
| Vision | AETNA HEALTH, INC. | 103 | $233K |
| Life insurance | BLUE SHIELD OF CALIFORNIA LIFE INSURANCE COMPANY | 120 | $11K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 38 | $105K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 38 | $105K |
| Prescription drug(2 contracts) | AETNA HEALTH, INC. | 103 | $889K |
| Other(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 120 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.