| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | FIRST UNUM LIFE INSURANCE COMPANY | — | $12K | $12K | 1.75% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | FIRST UNUM LIFE INSURANCE COMPANY | — | $4K | $4K | 1.75% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | EYEMED VISION CARE | $12K | — | $12K | 9.91% |
| THOMAS C SMITH3 | PO BOX 40386 798 BERRY RD NASHVILLE, TN 37204 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | $283 | $1K | 2.65% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | $272 | $1K | 2.60% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $415 | $251 | $666 | 2.44% |
| SMITH THOMAS C3 Filed as: SMITH, THOMAS C | PO BOX 40386 798 BERRY RD NASHVILLE, TN 37204 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $217 | $129 | $346 | 1.27% |
| 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 | 1,337 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,426 | $1.0M |
| Vision | EYEMED VISION CARE | 1,715 | $117K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 2,389 | $669K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 2,389 | $920K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 2,389 | $669K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,251 | $2.1M |
| Other(3 contracts, 2 carriers) | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 1,525 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,426 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.