| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: COOK MARAN & ASSOCIATION | 40 MARCUS DR FL 3 MELVILLE, NY 117474268 | EMBLEM HEALTH | $66K | — | $66K | 3.85% |
| EDGEWOOD PARTNERS INSURANCE CENTER Filed as: EDGEWOOD PARTNERS INSURANCE | 1 CALIFORNIA STREET SAN FRANCISCO, CA 94111 | EMBLEM HEALTH | $66K | — | $66K | 3.85% |
| EDGEWOOD PARTNERS INSURANCE CENTER Filed as: EDGEWOOD PARTNERS INSURANCE | 1390 WILLOW PASS ROAD CONCORD, CA 945207924 | METLIFE | $11K | $3K | $14K | 9.87% |
| EDGEWOOD PARTNERS INSURANCE CENTER Filed as: EDGEWOOD PARTNERS INSURANCE | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | EQUITABLE | $8K | — | $8K | 15.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER Filed as: EDGEWOOD PARTNERS INSURANCE | — | EQUITABLE | — | — | $0 | 0.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER Filed as: EDGEWOOD PARTNERS INSURANCE | 40 MARCUS DRIVE MELVILLE, NY 11747 | AETNA | $1K | — | $1K | 10.11% |
| EDGEWOOD PARTNERS INSURANCE CENTER Filed as: EDGEWOOD PARTNERS INSURANCE | 1390 WILLOW PASS RD CONCORD, CA 94520 | METLIFE | — | — | $0 | — |
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 | 194 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | METLIFE | 194 | $143K |
| Vision | AETNA | 148 | $10K |
| Life insurance(3 contracts, 2 carriers) | METLIFE | 194 | $198K |
| Long-term disability(3 contracts, 2 carriers) | METLIFE | 194 | $198K |
| Other(2 contracts) | METLIFE | 194 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.