| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CTR (EPIC) | 1390 WILLOW PASS RD, STE 800 CONCORD, CA 94520 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $145K | $3K | $147K | 4.58% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3000 EXECUTIVE PKWY STE 325 SAN RAMON, CA 94583 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $3K | $6K | 7.57% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3000 EXECUTIVE PKWY STE 325 SAN RAMON, CA 94583 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $2K | $6K | 11.16% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | VISION SERVICE PLAN | $1K | — | $1K | 5.58% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3000 EXECUTIVE PKWY STE 325 SAN RAMON, CA 94583 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $485 | $2K | 12.70% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3000 EXECUTIVE PKWY STE 325 SAN RAMON, CA 94583 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $446 | $2K | 13.32% |
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 | 171 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 171 | $3.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 171 | $3.2M |
| Vision | VISION SERVICE PLAN | 164 | $26K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 171 | $84K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 171 | $17K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 171 | $56K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 171 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.