| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET NEW YORK, NY 10014 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $29 | $109K | $109K | 3.97% |
| HEALTHY BUSINESS GROUP LLC3 | 34 BAY STREET PO BOX 1346 SAG HARBOR, NY 11963 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $13 | $13 | 0.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CE | 350 HUDSON ST. 4TH FL NEW YORK, NY 10014 | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $7K | $23K | 14.28% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CE | 350 HUDSON ST 4TH FL NEW YORK, NY 10014 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | $1K | $11K | 7.85% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CE | 350 HUDSON ST 4TH FL NEW YORK, NY 10014 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $551 | $4K | 6.96% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CE | 350 HUDSON ST 4TH FL NEW YORK, NY 10014 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $271 | $5K | 15.21% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CE | 350 HUDSON ST 4TH FL NEW YORK, NY 10014 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $116 | $2K | 15.84% |
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 | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 130 | $2.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | 130 | $159K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | 130 | $159K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 166 | $61K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 184 | $33K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 167 | $138K |
| Other(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 166 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.