| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD, SUITE 800 CONCORD, CA 94520 | BLUE CROSS OF CALIFORNIA | $147K | $14K | $161K | 4.01% |
| SOLANA INSURANCE SERVICES INC.3 Filed as: SOLANA INSURANCE SERVICES INC | 2700 NEWPORT BL 184 NEWPORT BEACH, CA 92663 | BLUE CROSS OF CALIFORNIA | $37K | $2K | $38K | 0.95% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | 115 N. MOLINO AVENUE PASADENA, CA 91101 | STANDARD INSURANCE COMPANY | $3K | $3K | $6K | 6.27% |
| SOLANA INSURANCE SERVICES INC.3 | 3700 NEWPORT BL 309 NEWPORT BEACH, CA 92663 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.33% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.32% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | PO BOX 232017 PLEASANT HILL, CA 94523 | STANDARD INSURANCE COMPANY | $5K | $2K | $7K | 11.98% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | STANDARD INSURANCE COMPANY | — | $5K | $5K | 9.37% |
| SOLANA INSURANCE SERVICES INC.3 Filed as: SOLANA INSURANCE SERVICES INC | 3700 NEWPORT BL 309 NEWPORT BEACH, CA 92663 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.25% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | PO BOX 232017 PLEASANT HILL, CA 94523 | STANDARD INSURANCE COMPANY | $4K | $1K | $6K | 11.95% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | STANDARD INSURANCE COMPANY | — | $5K | $5K | 9.45% |
| SOLANA INSURANCE SERVICES INC.3 Filed as: SOLANA INSURANCE SERVICES INC | 3700 NEWPORT BL 309 NEWPORT BEACH, CA 92663 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.24% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD, SUITE 800 CONCORD, CA 94520 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $885 | $87 | $972 | 4.01% |
| SOLANA INSURANCE SERVICES INC.3 Filed as: SOLANA INSURANCE SERVICES INC | 2700 NEWPORT BL 184 NEWPORT BEACH, CA 92663 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $221 | $10 | $231 | 0.95% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | PO BOX 232017 PLEASANT HILL, CA 94523 | STANDARD INSURANCE COMPANY | $13K | $946 | $14K | 57.91% |
| SOLANA INSURANCE SERVICES INC.3 Filed as: SOLANA INSURANCE SERVICES INC | 3700 NEWPORT BL 309 NEWPORT BEACH, CA 92663 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 13.47% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 7.34% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD, SUITE 800 CONCORD, CA 94520 | SAFEGUARD HEALTH PLANS, INC. | — | $321 | $321 | — |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3620 BIRCH ST FL 1 NEWPORT BEACH, CA 92660 | SAFEGUARD HEALTH PLANS, INC. | $92 | — | $92 | — |
| SOLANA INSURANCE SERVICES INC.3 | 2700 NEWPORT BL 184 NEWPORT BEACH, CA 92663 | SAFEGUARD HEALTH PLANS, INC. | $23 | — | $23 | — |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD, SUITE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | — |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3620 BIRCH ST FL 1 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $450 | — | $450 | — |
| SOLANA INSURANCE SERVICES INC.3 Filed as: SOLANA INSURANCE SERVICES INC | 2700 NEWPORT BL 184 NEWPORT BEACH, CA 92663 | METROPOLITAN LIFE INSURANCE COMPANY | $113 | — | $113 | — |
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 | 297 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 294 | $4.0M |
| Dental(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 294 | $4.0M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 192 | $24K |
| Life insurance | STANDARD INSURANCE COMPANY | 297 | $96K |
| Short-term disability | STANDARD INSURANCE COMPANY | 298 | $48K |
| Long-term disability | STANDARD INSURANCE COMPANY | 298 | $57K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 294 | $4.0M |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 297 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.