| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94524 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $1K | $16K | 16.48% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX | P.O. BOX 732954 DALLAS, TX 75373 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | -$473 | -$473 | -0.49% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94524 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $1K | $12K | 16.69% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX | P.O. BOX 732954 DALLAS, TX 75373 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | -$415 | -$415 | -0.57% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94524 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $860 | $7K | 11.44% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX | P.O. BOX 732954 DALLAS, TX 75373 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | -$293 | -$293 | -0.49% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94524 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $747 | $9K | 16.41% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX | P.O. BOX 732954 DALLAS, TX 75373 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | -$249 | -$249 | -0.47% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O.BOX 102159 PASADENA, CA 91189 | VISION SERVICE PLAN | $5K | — | $5K | 9.46% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94524 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $581 | $9K | 21.39% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX | P.O. BOX 732954 DALLAS, TX 75373 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | -$189 | -$189 | -0.45% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94524 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $387 | $5K | 21.53% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX | P.O. BOX 732954 DALLAS, TX 75373 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | -$129 | -$129 | -0.51% |
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 | 527 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 533 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 376 | $48K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 527 | $156K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 161 | $72K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $53K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 527 | — |
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.