| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $38K | $3K | $42K | 2.48% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL | $4K | — | $4K | 4.90% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST 4TH FLOOR NEW YORK, NY 10014 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 4.00% |
| FLOCKIS, INC.3 | 660 4TH STREET UNIT 334 SAN FRANCISCO, CA 94107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST 4TH FLOOR NEW YORK, NY 10014 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| FLOCKIS, INC.3 | 660 4TH STREET UNIT 334 SAN FRANCISCO, CA 94107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 3.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR 3RD FLOOR MELVILLE, NY 11747 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $569 | $3K | 11.94% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST 4TH FLOOR NEW YORK, NY 10014 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $500 | — | $500 | 5.00% |
| FLOCKIS, INC.3 | 660 4TH STREET UNIT 334 SAN FRANCISCO, CA 94107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $300 | $300 | 3.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST 4TH FLOOR NEW YORK, NY 10014 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| FLOKIS, INC.3 | 660 4TH STREET UNIT 334 SAN FRANCISCO, CA 94107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $176 | $176 | 2.04% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST 24TH FLOOR SAN FRANCISCO, CA 94104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $176 | $176 | 2.04% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST 4TH FLOOR NEW YORK, NY 10014 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| FLOCKIS, INC.3 | 660 4TH STREET UNIT 334 SAN FRANCISCO, CA 94107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $244 | $244 | 3.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST 24TH FLOOR SAN FRANCISCO, CA 94104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $74 | $74 | 0.91% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST 4TH FLOOR NEW YORK, NY 10014 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $296 | — | $296 | 14.99% |
| FLOCKIS, INC.3 | 660 4TH STREET UNIT 334 SAN FRANCISCO, CA 94107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $59 | $59 | 2.99% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST 24TH FLOOR SAN FRANCISCO, CA 94104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $18 | $18 | 0.91% |
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 | 124 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 320 | $1.7M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL | 326 | $89K |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 320 | $1.7M |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 124 | $75K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 123 | $10K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 123 | $33K |
| Other(5 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 125 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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.