| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 200 GLENRIDGE POINT PARKWAY #400 ATLANTA, GA 30342 | DELTA DENTAL INSURANCE COMPANY | $100K | — | $100K | 4.84% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N. PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $112K | $112K | 7.41% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3500 LENOX ROAD SUITE 1600 ATLANTA, GA 30326 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $20K | $20K | 1.33% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N PIMA ROAD SCOTTSDALE, AZ 85255 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $30K | $30K | 4.54% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3500 LENOX ROAD SUITE 1600 ATLANTA, GA 30326 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $10K | $10K | 1.52% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 200 GLENRIDGE POINT PKWY STE 400 ATLANTA, GA 30342 | RELIASTAR LIFE INSURANCE COMPANY | $20K | — | $20K | 5.82% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3000 EXECUTIVE PARKWAY SUITE 325 SAN RAMON, CA 94583 | RELIASTAR LIFE INSURANCE COMPANY | — | $2K | $2K | 0.50% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N PRIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $3K | $3K | 4.57% |
| EDGEWOOD PARTNER INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94524 | ARAG INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| AON CONSULTING INC5 Filed as: BSWIFT, LLC | 10 S RIVERSIDE PLAZA SUITE 1100 CHICAGO, IL 60606 | ARAG INSURANCE COMPANY | — | $1K | $1K | 5.00% |
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 | 3,966 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,997 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 109 | $736K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 5,117 | $2.1M |
| Vision | EYEMED VISION CARE | 4,464 | $326K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,748 | $1.5M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,787 | $69K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,789 | $656K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 109 | $736K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,122 | $365K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,117 | — |
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.