| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DRIVE FLOOR 3 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $132K | — | $132K | 3.76% |
| MCDERMOTT & THOMAS ASSOCIATES3 | 1000 SOUTH AVE STATEN ISLAND, NY 10314 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | — | $8K | 5.86% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DRIVE MELVILLE, NY 11747 | AETNA LIFE INSURANCE CO. | $6K | — | $6K | 4.40% |
| MCDERMOTT & THOMAS ASSOCIATES3 Filed as: MCDERMOTT & THOMAS ASSOC | 1000 SOUTH AVE STATEN ISLAND, NY 10314 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 11.64% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR FL 3 MELVILLE, NY 117474268 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 10.71% |
| MCDERMOTT & THOMAS ASSOCIATES3 | 1000 SOUTH AVENUE STATEN ISLAND, NY 10314 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR 3RD FLOOR MELVILLE, NY 11747 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $657 | $156 | $813 | 12.40% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR 3RD FLOOR MELVILLE, NY 11747 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $612 | $51 | $663 | 10.83% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR 3RD FLOOR MELVILLE, NY 11747 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $609 | $140 | $749 | 12.33% |
| MCDERMOTT & THOMAS ASSOCIATES3 Filed as: MCDERMOTT & THOMAS ASSOC | 1000 SOUTH AVE STATEN ISLAND, NY 10314 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $241 | — | $241 | 11.05% |
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 | 219 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 220 | $3.5M |
| Dental | AETNA LIFE INSURANCE CO. | 316 | $129K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 286 | $12K |
| Life insurance(4 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 219 | $169K |
| Short-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 20 | $14K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 219 | $144K |
| Other(6 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 219 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.