| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSRUANCE CENTER | P.O. BOX 5668 CONCORD, CA 945240668 | UNITEDHEALTHCARE INSURANCE COMPANY | $122K | — | $122K | 3.20% |
| SOLANA INSURANCE SERVICES INC.3 | 2700 NEWPORT BLVD SUITE 184 NEWPORT BEACH, CA 926633736 | UNITEDHEALTHCARE INSURANCE COMPANY | $38K | — | $38K | 0.99% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3620 BIRCH STREET NEWPORT BEACH, CA 926602624 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 3.66% |
| SOLANA INSURANCE SERVICES INC.3 | 2700 NEWPORT BLVD SUITE 184 NEWPORT BEACH, CA 926633727 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.92% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | P.O. BOX 101809 PASADENA, CA 911891809 | METROPOLITAN LIFE INSURANCE COMPANY | $502 | — | $502 | 0.37% |
| INTERGRO USA INC.3 | 2300 CONTRA COSTA BLVD SUITE 375 PLEASANT HILL, CA 945233976 | METROPOLITAN LIFE INSURANCE COMPANY | — | $359 | $359 | 0.27% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 115 N EL MOLINA AVENUE PASADENA, CA 91101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $3K | $9K | 17.00% |
| SOLANA INSURANCE SERVICES INC.3 Filed as: SOLANA INSURANCE CERVICES | 2700 NEWPORT BLVD SUITE 184 NEWPORT BEACH, CA 92663 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 3.00% |
| INTERGRO USA INC.3 | P.O. BOX 232017 PLEASANT HILL, CA 94523 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 11.31% |
| SOLANA INSURANCE SERVICES INC.3 | 3700 NEWPORT BLVD SUITE 309 NEWPORT BEACH, CA 92663 | STANDARD INSURANCE COMPANY | $241 | — | $241 | 0.67% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 115 N EL MOLINO AVENUE PASADENA, CA 91101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $2K | $6K | 17.00% |
| SOLANA INSURANCE SERVICES INC.3 Filed as: SOLANA INSURANCE SERVICES | 2700 NEWPORT BLVD SUITE 184 NEWPORT BEACH, CA 92663 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $987 | — | $987 | 3.00% |
| INTERGRO USA INC.3 | P.O. BOX 232017 PLEASANT HILL, CA 94523 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 10.64% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3620 BIRCH STREET NEWPORT BEACH, CA 926602624 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $1K | — | $1K | 3.67% |
| SOLANA INSURANCE SERVICES INC.3 | 2700 NEWPORT BLVD SUITE 184 NEWPORT BEACH, CA 926633727 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $277 | — | $277 | 1.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 945207924 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | — | $253 | $253 | 0.92% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | P.O. BOX 101809 PASADENA, CA 911891809 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $98 | — | $98 | 0.36% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | 2300 CONTRA COSTA BLVD SUITE 375 PLEASANT HILL, CA 945233976 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | — | $72 | $72 | 0.26% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CENETER | 115 N EL MOLINO AVENUE PASADENA, CA 91101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $1K | $4K | 21.00% |
| SOLANA INSURANCE SERVICES INC.3 Filed as: SOLANA INSURANCE SERVICES | 2700 NEWPORT BLVD NEWPORT BEACH, CA 92663 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $836 | — | $836 | 4.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 115 N EL MOLINA AVENUE PASADENA, CA 91101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $672 | $3K | 21.00% |
| SOLANO INSURANCE SERVICES3 | 2700 NEWPORT BLVD SUITE 184 NEWPORT BEACH, CA 92663 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $538 | — | $538 | 4.00% |
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 | 329 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 305 | $3.8M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 287 | $162K |
| Vision | STANDARD INSURANCE COMPANY | 163 | $29K |
| Life insurance | STANDARD INSURANCE COMPANY | 329 | $36K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 323 | $33K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 323 | $55K |
| Other(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 329 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.