| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | FIRST UNUM LIFE INSURANCE COMPANY | — | $12K | $12K | 2.03% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | FIRST UNUM LIFE INSURANCE COMPANY | — | $6K | $6K | 2.34% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | EYEMED | $12K | — | $12K | 10.79% |
| THOMAS C SMITH3 | PO BOX 40386 798 BERRY RD NASHVILLE, TN 37204 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | $1K | $4K | 9.83% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | $489 | $2K | 4.20% |
| THOMAS C SMITH3 | 798 BERRY RD PO BOX 40386 NASHVILLE, TN 37204 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $704 | $569 | $1K | 6.35% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $300 | $245 | $545 | 2.72% |
| MMG AGENCY INC.3 | 1145 FOREST AVE STATEN ISLAND, NY 10310 | FEDERAL INSURANCE COMPANY | $5K | — | $5K | 30.00% |
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 | 1,165 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,391 | $1.0M |
| Vision | EYEMED | 1,576 | $110K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 2,164 | $599K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 2,164 | $871K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 2,164 | $599K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,173 | $1.7M |
| Other(3 contracts, 2 carriers) | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 1,525 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,391 | — |
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.