| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLO BLVD SUITE 100 LAFAYETTE, CA 94549 | KAISER FOUNDATION HEALTH PLAN, INC. | $31K | $42 | $32K | 2.42% |
| MARION MACARO3 Filed as: MARION A. MACARO | 150 E 18TH STREET APT PH-O NEW YORK, NY 10003 | KAISER FOUNDATION HEALTH PLAN, INC. | $31K | — | $31K | 2.42% |
| MARION MACARO3 Filed as: MARION A. MACARO | 150 E 18TH STREET APT PHO NEW YORK, NY 10007 | UNITEDHEALTHCARE INSURANCE COMPANY | $35K | — | $35K | 2.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1002 MARK AVENUE CARPINTERIA, CA 90048 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | — | $21K | 1.71% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLO BLVD SUITE 100 LAFAYETTE, CA 90780 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 1.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 3697 MT DIABLO BLVD SUITE 100 LAFAYETTE, CA 94549 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.60% |
| MARION MACARO3 Filed as: MARION A. MACARO | 285 FULTON STREET NEW YORK, NY 10007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.25% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 103129 PASADENA, CA 91189 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | -$55 | — | -$55 | -0.19% |
| MARION MACARO3 Filed as: MARION A MACARO | 285 FULTON STREET NEW YORK, NY 10007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 3697 MT DIABLO BLVD SUITE 100 LAFAYETTE, CA 94549 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.53% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 103129 PADASENA, CA 91189 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $207 | — | $207 | 1.10% |
| MARION MACARO3 Filed as: MARION A. MACARO | 285 FULTON STREET NEW YORK, NY 10007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $316 | — | $316 | 7.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 3697 MT DIABLO BLVD SUITE 100 LAFAYETTE, CA 94549 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $239 | — | $239 | 5.68% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 103129 PASADENA, CA 91189 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $90 | — | $90 | 2.14% |
| MARION MACARO3 Filed as: MARION A MACARO | 285 FULTON STREET NEW YORK, NY 10007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $38 | — | $38 | 7.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 3697 MT DIABLO BLVD SUITE 100 LAFAYETTE, CA 94549 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35 | — | $35 | 6.97% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 103129 PASADENA, CA 91189 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8 | — | $8 | 1.59% |
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. |
| Total participants (= "Plan participants" tile) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 352 | $2.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 352 | $1.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 352 | $1.2M |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 312 | $48K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 12 | $4K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 352 | $2.5M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 312 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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.