| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94524 | UNITEDHEALTHCARE INSURANCE COMPANY | $164K | — | $164K | 4.60% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $4K | $24K | 12.18% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVENUES OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10014 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 7.60% |
| NEW YORK ROSBRUCH AND HARNIK3 | 800 WESTCHESTER AVE 4TH FLOOR, N 409 RYE BROOK, NY 10573 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $203 | — | $203 | 0.13% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVENUE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | EYEMED VISION CARE | $4K | — | $4K | 14.64% |
| MMG AGENCY INC.3 | 1145 FOREST AVENUE STATEN ISLAND, NY 10310 | ACE AMERICAN INSURANCE COMPANY | $719 | — | $719 | 19.99% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 499 WASHINGTON BLVD JERSEY CITY, NJ 07311 | ACE AMERICAN INSURANCE COMPANY | $360 | — | $360 | 10.01% |
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 | 262 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 401 | $3.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 419 | $197K |
| Vision | EYEMED VISION CARE | 398 | $27K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 262 | $151K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 262 | $151K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 262 | $151K |
| Other | ACE AMERICAN INSURANCE COMPANY | 187 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 419 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.