| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DRIVE FLOOR 3 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $82K | — | $82K | 3.67% |
| MCDERMOTT & THOMAS ASSOCIATES3 | 1000 SOUTH AVE STATEN ISLAND, NY 10314 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | — | $9K | 7.39% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DRIVE MELVILLE, NY 11747 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 4.80% |
| MCDERMOTT & THOMAS ASSOCIATES3 Filed as: MCDERMOTT & THOMAS ASSOC | 1000 SOUTH AVE STATEN ISLAND, NY 10314 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $8 | $1K | 11.03% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 93856 | UNITEDHEALTHCARE INSURANCE COMPANY | $691 | — | $691 | 8.31% |
| MCDERMOTT & THOMAS ASSOCIATES3 | 1000 SOUTH AVENUE STATEN ISLAND, NY 10314 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR 3RD FLOOR MELVILLE, NY 11747 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $547 | $130 | $677 | 12.39% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR 3RD FLOOR MELVILLE, NY 11747 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $417 | $98 | $515 | 12.31% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR 3RD FLOOR MELVILLE, NY 11747 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $383 | — | $383 | 10.00% |
| MCDERMOTT & THOMAS ASSOCIATES3 Filed as: MCDERMOTT & THOMAS ASSOC | 1000 SOUTH AVE STATEN ISLAND, NY 10314 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $291 | $13 | $304 | 12.79% |
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 | 213 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 256 | $2.2M |
| Dental | AETNA LIFE INSURANCE CO. | 257 | $101K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 219 | $8K |
| Life insurance(4 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 213 | $138K |
| Short-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 20 | $13K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 213 | $116K |
| Other(6 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 213 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.