| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR FL 3 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $91K | — | $91K | 2.98% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR FL 3 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 2.21% |
| 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 | $6K | — | $6K | 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 | $1K | — | $1K | 12.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR MELVILLE, NY 11747 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $728 | — | $728 | 12.00% |
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 | 196 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 283 | $3.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 293 | $132K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 293 | $132K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 196 | $67K |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 111 | $30K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 195 | $48K |
| Other(2 contracts) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 196 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.