| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $1K | $5K | 6.92% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102158 PASADENA, CA 911892159 | HARTFORD LIFE AND ACCIDENT | $3K | $155 | $3K | 19.87% |
| MARK MCDONALD4 Filed as: MARK D MCDONALD | 1685 ORO VISTA RD APT 173 SAN DIEGO, CA 921544020 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 14.77% |
| EDGEWOOD PARTNERS INSURANCE CENTER4 | PO BOX 5668 CONCORD, CA 945240668 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $202 | — | $202 | 2.41% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 13.81% |
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 | 202 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 204 | $68K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 18 | $8K |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 321 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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.