| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | — | $50 | $50 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING-RADNOR | 555 E LANCASTER AVENUE RADNOR, PA 190877300 | FIRST UNUM LIFE INSURANCE COMPANY | — | $12K | $12K | 1.23% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | FIRST UNUM LIFE INSURANCE COMPANY | — | $269 | $269 | 0.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - RADNOR | 555 E LANCASTER AVENUE RADNOR, PA 190877300 | FIRST UNUM LIFE INSURANCE COMPANY | — | $2K | $2K | 0.72% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | FIRST UNUM LIFE INSURANCE COMPANY | — | $1K | $1K | 0.53% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $4K | $4K | 2.84% |
| THOMAS C SMITH3 | PO BOX 40386 798 BERRY RD NASHVILLE, TN 37204 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $13K | $4K | $17K | 18.27% |
| EDGWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | $673 | $3K | 3.47% |
| THOMAS C SMITH3 | PO BOX 102159 798 BERRY RD NASHVILLE, TN 37204 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $4K | $2K | $6K | 11.10% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $769 | $439 | $1K | 2.14% |
| 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 | 2,309 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,950 | $1.3M |
| Vision | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 1,414 | $139K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 3,020 | $995K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 3,020 | $1.3M |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 3,020 | $995K |
| Other(3 contracts, 2 carriers) | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 2,379 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,020 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.