| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 115 N EL MOLINO AVE PASADENA, CA 91101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $93K | — | $93K | 15.00% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLAZA DR 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $23K | $23K | 3.66% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 115 N EL MOLINO AVE PASADENA, CA 91101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $37K | — | $37K | 15.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 115 N EL MOLINO AVE PASADENA, CA 91101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | — | $19K | 15.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 101809 PASADENA, CA 91189 | METLIFE LEGAL PLANS | $476 | — | $476 | 10.97% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 511398 LOS ANGELES, CA 90051 | METLIFE LEGAL PLANS | — | $72 | $72 | 1.66% |
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 | 1,312 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | GERBER LIFE INSURANCE CO. (MES VISION) | 1,125 | $152K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,513 | $716K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,513 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,513 | — |
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.