| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1000 BURNETT AVE STE 330 CONCORD, CA 94520 | AETNA LIFE INSURANCE CO. | $167K | $22K | $189K | 2.55% |
| EDGEWATER PARTNERS INSURANCE CENTER3 | 19000 MACARTHUR BLVD, PH STE IRVINE, CA 92612 | AETNA LIFE INSURANCE CO. | $169K | — | $169K | 2.29% |
| EMPLOYEE FAMILY PROTECTION INC3 | 90 KREGIER LANE GLASTONBURY, CT 06033 | AETNA LIFE INSURANCE CO. | $12K | — | $12K | 0.16% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DR BLOOMINGTON, MN 55437 | AETNA HEALTH, INC. | $40K | — | $40K | 2.26% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 19000 MACARTHUR BLVD, PH STE IRVINE, CA 92612 | AETNA HEALTH, INC. | $40K | — | $40K | 2.24% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $14K | $10K | $24K | 3.95% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 4675 MACARTHUR COURT NEWPORT BEACH, CA 92660 | HARTFORD LIFE AND ACCIDENT | $16K | $482 | $17K | 2.81% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | VISION SERVICE PLAN | $4K | — | $4K | 5.87% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $3K | — | $3K | 4.14% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 19000 MACARTHUR BLVD, PH STE IRVINE, CA 92612 | EMPATHIA PACIFIC, INC. | — | $493 | $493 | 2.28% |
| KACY LAVENDER4 | 307 SPRING CREEK MOODY, TX 76557 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | — | $3K | 17.42% |
| ANGELA L HELENBERGER4 Filed as: ANGELA L. HELENBERGER | 15194 PALO PINTO DR FRISCO, TX 75035 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $26 | — | $26 | 0.18% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $296 | $64 | $360 | 18.26% |
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 | 683 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 686 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,232 | $9.2M |
| Dental | AETNA LIFE INSURANCE CO. | 1,232 | $7.4M |
| Vision | VISION SERVICE PLAN | 564 | $76K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,131 | $596K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,131 | $596K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,131 | $596K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,232 | $9.2M |
| Other(5 contracts, 5 carriers) | AETNA LIFE INSURANCE CO. | 1,232 | $8.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,232 | — |
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.