| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD, SUITE 300 RANCHO CORDOVA, CA 95670 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $1K | $6K | 8.07% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD, SUITE 300 RANCHO CORDOVA, CA 95670 | UNITED HEALTHCARE INSURANCE COMPANY | $720 | — | $720 | 5.00% |
| HARLEY BARNES JR3 | 18700 N HAYDEN RD, STE 405 SCOTTSDALE, AZ 85255 | UNITED HEALTHCARE INSURANCE COMPANY | $720 | — | $720 | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD, SUITE 300 RANCHO CORDOVA, CA 95670 | HARTFORD LIFE AND ACCIDENT | $2K | $136 | $2K | 18.06% |
| WEB TPA3 Filed as: WEB TPA EMPLOYER SVCS LLC | 8500 FREEPORT PKWY SOURTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | — | $743 | $743 | 6.01% |
| MARK MCDONALD4 Filed as: MARK D MCDONALD | 1365 SEACOAST DR, UNIT M IMPERIAL BEACH, CA 91932 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $939 | — | $939 | 11.85% |
| EDGEWOOD PARTNERS INSURANCE CENTER4 | 10877 WHITE ROCK ROAD, SUITE 300 RANCHO CORDOVA, CA 95670 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $192 | — | $192 | 2.42% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 163 | $74K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 163 | $74K |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 265 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.