| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA ST STE 400 SAN FRANCISCO, CA 941115402 | UNITEDHEALTHCARE INSURANCE COMPANY | $106K | — | $106K | 2.96% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA ST STE 400 SAN FRANCISCO, CA 941115402 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 4.16% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $7K | — | $7K | 12.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR MELVILLE, NY 11747 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $7K | — | $7K | 12.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR MELVILLE, NY 11747 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 12.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $2K | $261 | $2K | 14.06% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR MELVILLE, NY 11747 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $816 | — | $816 | 12.01% |
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 | 207 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 290 | $3.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 267 | $129K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 267 | $129K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 207 | $74K |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 119 | $32K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 206 | $54K |
| Other(2 contracts) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 207 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.