| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1401WILLOW PASS ROAD SUITE 850 HOUSTON, TX 77056 | KAISER FOUNDATION HEALTH PLAN INC | $222K | — | $222K | 4.98% |
| EMPLOYEE BENEFIT SOLUTIONS INC3 Filed as: EMPLOYEE BENEFIT SOLUTIONS INC. | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 77056 | SIMNSA | $28K | — | $28K | 7.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1401 WILLOW PASS ROAD CONCORD, CA 94520 | AETNA LIFE INSURANCE CO. | $37K | — | $37K | 10.35% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 102159 PASADENA, CA 91189 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $3K | $24K | 16.55% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 102159 PASADENA, CA 91189 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $2K | $14K | 11.06% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $864 | $8K | 16.81% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 102159 PASADENA, CA 91189 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $290 | $2K | 16.00% |
| EMPLOYEE BENEFIT SOLUTIONS INC3 Filed as: EMPLOYEE BENEFIT SOLUTIONS, INC. | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 77056 | FEDERAL INSURANCE COMPANY | $713 | — | $713 | 15.01% |
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 | 1,022 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,022 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 929 | $5.5M |
| Dental(3 contracts, 3 carriers) | HEALTH NET | 1,137 | $1.4M |
| Vision(2 contracts, 2 carriers) | HEALTH NET | 1,137 | $1.0M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,218 | $146K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 669 | $127K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 929 | $4.8M |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,218 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,218 | — |
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.