| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 115 N EL MOLINO AVENUE PASADENA, CA 91101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $44K | $6K | $50K | 8.67% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 115 N EL MOLINO AVENUE PASADENA, CA 91101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $43K | — | $43K | 7.42% |
| FMLA SOURCE INC3 Filed as: FMLA SOURCE INC. | 455 N CITYFRONT PLAZA DRIVE 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $20K | $20K | 3.53% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 115 N EL MOLINA AVENUE PASADENA, CA 91101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $36K | $5K | $41K | 16.86% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 115 N EL MOLINA AVENUE PASADENA, CA 91101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $2K | $22K | 16.46% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 115 N EL MOLINA AVE PASADENA, CA 91101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.68% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 101809 PASADENA, CA 91189 | METLIFE LEGAL PLANS | $501 | $144 | $645 | 13.94% |
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 | 1,277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | GERBER LIFE INSURANCE CO. (MES VISION) | 1,132 | $152K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,277 | $662K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,277 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,277 | — |
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.