| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DRIVE FLOOR 3 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $72K | — | $72K | 3.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES | 40 MARCUS DRIVE FLOOR 3 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | -$336 | — | -$336 | -0.02% |
| MCDERMOTT & THOMAS ASSOCIATES3 | 1000 SOUTH AVE STATEN ISLAND, NY 10314 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | $275 | $10K | 10.83% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DRIVE MELVILLE, NY 11747 | AETNA LIFE INSURANCE CO. | $4K | $3K | $8K | 8.43% |
| MCDERMOTT & THOMAS ASSOCIATES3 Filed as: MCDERMOTT & THOMAS ASSOC | 1000 SOUTH AVENUE STATEN ISLAND, NY 10314 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $83 | $2K | 26.09% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 93856 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $730 | $730 | 10.00% |
| MCDERMOTT & THOMAS ASSOCIATES3 | 1000 SOUTH AVENUE STATEN ISLAND, NY 10314 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $20 | $1K | 18.88% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR 3RD FLOOR MELVILLE, NY 11747 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $529 | $261 | $790 | 14.94% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR 3RD FLOOR MELVILLE, NY 11747 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $397 | $197 | $594 | 14.96% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR 3RD FLOOR MELVILLE, NY 11747 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $342 | — | $342 | 9.99% |
| MCDERMOTT & THOMAS ASSOCIATES3 Filed as: MCDERMOTT & THOMAS ASSOC | 1000 SOUTH AVE STATEN ISLAND, NY 10314 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $224 | $45 | $269 | 18.03% |
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 | 178 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 228 | $1.8M |
| Dental | AETNA LIFE INSURANCE CO. | 217 | $90K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 192 | $7K |
| Life insurance(4 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 178 | $106K |
| Short-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 24 | $9K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 178 | $91K |
| Other(6 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 178 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.