| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1 CALIFORNIA ST STE 100 SAN FRANCISCO, CA 94111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $86K | $86K | 3.27% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET NEW YORK, NY 10014 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $18K | $18K | 0.69% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET NEW YORK, NY 10014 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | $840 | $14K | 10.58% |
| FIRST COMMAND INS SERVICES INC3 | 1 FIRST COMM PLAZA FORTH WORTH, TX 76109 | PRINIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 6.85% |
| GARRY L JOHNSON & ASSOCIATES INC3 Filed as: GARRY JOHNSON | 3850 E BASELINE RD SUITE 121 MESA, AZ 852064404 | PRINIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.89% |
| FIRST COMMAND INS SERVICES INC3 | 1 FIRST COMM PLAZA FORT WORTH, TX 76109 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $6K | — | $6K | 10.00% |
| FIRST COMMAND INS SERVICES INC3 | 1 FIRST COMM PLAZA FORT WORTH, TX 76109 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $924 | — | $924 | 10.00% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 104 | $2.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 109 | $129K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 109 | $129K |
| Life insurance | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 137 | $61K |
| Short-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 9 | $9K |
| Long-term disability | PRINIPAL LIFE INSURANCE COMPANY | 156 | $113K |
| Other | PRINIPAL LIFE INSURANCE COMPANY | 156 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.