| 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 | $169K | $4K | $173K | 4.12% |
| SOLANA INSURANCE SERVICES INC.3 Filed as: SOLANA INSURANCE SERVICES INC | 2700 NEWPORT BL 184 NEWPORT BEACH, CA 92663 | BLUE CROSS OF CALIFORNIA | $42K | — | $42K | 1.01% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | PO BOX 232017 PLEASANT HILL, CA 94523 | STANDARD INSURANCE COMPANY | $4K | $5K | $10K | 8.75% |
| SOLANA INSURANCE SERVICES INC.3 | 3700 NEWPORT BLVD 309 NEWPORT BEACH, CA 92663 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.42% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DRIVE, 3RD FLOOR MELVILLE, NY 11747 | STANDARD INSURANCE COMPANY | $977 | — | $977 | 0.86% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | PO BOX 232017 PLEASANT HILL, CA 94523 | STANDARD INSURANCE COMPANY | $6K | $4K | $10K | 12.90% |
| SOLANA INSURANCE SERVICES INC.3 Filed as: SOLANA INSURANCE SERVICES INC | 3700 NEWPORT BL 309 NEWPORT BEACH, CA 92663 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.68% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DRIVE, 3RD FLOOR MELVILLE, NY 11747 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.49% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | PO BOX 232017 PLEASANT HILL, CA 94523 | STANDARD INSURANCE COMPANY | $5K | $3K | $8K | 13.73% |
| SOLANA INSURANCE SERVICES INC.3 Filed as: SOLANA INSURANCE SERVICES INC | 3700 NEWPORT BL 309 NEWPORT BEACH, CA 92663 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.74% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DRIVE, 3RD FLOOR MELVILLE, NY 11747 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.06% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | PO BOX 232017 PLEASANT HILL, CA 94523 | STANDARD INSURANCE COMPANY | $5K | $2K | $7K | 17.41% |
| SOLANA INSURANCE SERVICES INC.3 Filed as: SOLANA INSURANCE SERVICES INC | 3700 NEWPORT BL 309 NEWPORT BEACH, CA 92663 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.11% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DRIVE, 3RD FLOOR MELVILLE, NY 11747 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.05% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD, SUITE 800 CONCORD, CA 94520 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $1K | $23 | $1K | 4.13% |
| 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 | $254 | — | $254 | 1.01% |
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 | 312 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 615 | $4.2M |
| Dental | BLUE CROSS OF CALIFORNIA | 615 | $4.2M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 376 | $25K |
| Life insurance | STANDARD INSURANCE COMPANY | 321 | $113K |
| Short-term disability | STANDARD INSURANCE COMPANY | 321 | $59K |
| Long-term disability | STANDARD INSURANCE COMPANY | 321 | $75K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 615 | $4.2M |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 321 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 615 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.