| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD STE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | — | $35 | $35 | 0.00% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE BROKERS & CONSULTANT | ONE CALIFORNIA ST SUITE 400 SAN FRANCISCO, CA 94111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $50K | — | $50K | 9.89% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $24K | $24K | 12.69% |
| EPIC3 | 1140 6TH AVENUE 15TH FLOOR NEW YORK, NY 10036 | ZURICH AMERICAN INSURANCE COMPANY | $19K | — | $19K | 10.15% |
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 | 2,547 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,578 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 44 | $508K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 44 | $508K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,644 | $1.2M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,522 | $3.4M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,522 | $3.2M |
| Other | ARAG INSURANCE COMPANY | 415 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,522 | — |
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."
No prospect flags tripped on this filing.