| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARION MACARO3 Filed as: MARION A. MACARO | 150 E 18TH STREET APT PH-O NEW YORK, NY 10003 | KAISER FOUNDATION HEALTH PLAN, INC. | $74K | — | $74K | 4.22% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLO BLVD SUITE 100 LAFAYETTE, CA 94549 | KAISER FOUNDATION HEALTH PLAN, INC. | $56K | — | $56K | 3.21% |
| MARION MACARO3 Filed as: MARION A. MACARO | 150 E 18TH STREET APT PHO NEW YORK, NY 10007 | UNITEDHEALTHCARE INSURANCE COMPANY | $35K | — | $35K | 2.93% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLO BLVD SUITE 100 LAFAYETTE, CA 90780 | UNITEDHEALTHCARE INSURANCE COMPANY | $35K | — | $35K | 2.93% |
| MARION MACARO3 Filed as: MARION A. MACARO | 150 E 18TH APT PHO NEW YORK, NY 10003 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.26% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 103129 PASADENA, CA 91189 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.26% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD SUITE 800 LAFAYETTE, CA 94549 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $410 | $410 | 1.43% |
| MARION MACARO3 Filed as: MARION A MACARO | 150 E 18TH APT PHO NEW YORK, NY 10003 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 103129 PADASENA, CA 91189 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD SUITE 800 CONCORD, CA 94520 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $209 | $209 | 1.47% |
| MARION MACARO3 Filed as: MARION A. MACARO | 150 E 18TH APT PHO NEW YORK, NY 10003 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $262 | — | $262 | 7.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 103129 PASADENA, CA 91189 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $262 | — | $262 | 7.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD SUITE 800 CONCORD, CA 94520 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $53 | $53 | 1.52% |
| MARION MACARO3 Filed as: MARION A MACARO | 150 E 18TH APT PHO NEW YORK, NY 10003 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $47 | — | $47 | 7.45% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 103129 PASADENA, CA 91189 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $47 | — | $47 | 7.45% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD SUITE 800 CONCORD, CA 94520 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $9 | $9 | 1.43% |
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. | 946 | $2.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 946 | $1.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 946 | $1.2M |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 312 | $43K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8 | $3K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 946 | $2.9M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 312 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 946 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.