| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR FL 3 MELVILLE, NY 117474268 | UNITEDHEALTHCARE INSURANCE COMPANY | $103K | — | $103K | 2.99% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CE | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | GUARDIAN | $13K | $2K | $15K | 6.93% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DRIVE MELVILLE, NY 11747 | AETNA LIFE INSURANCE CO. | $8K | — | $8K | 7.88% |
| HUGH JEFFREY SNEDDON3 Filed as: HUGH JEFFREY SNEDDON-WYNNEWOOD PLAN | 178 MYRTLE BLVD STE 106 LARCHMONT, NY 105382048 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5K | — | $5K | 11.01% |
| CHRISTOPHER SZEM3 Filed as: CHRISTOPHER P FURRULE | STE 100 1305 CAMPUS PKWY WALL TOWNSHIP, NJ 07753 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.06% |
| MICHAEL A BOOK3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $998 | $31 | $1K | 2.22% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 40 MARCUS DRIVE, 3RD FLOOR MELVILLE, NY 11747 | STANDARD OF NEW YORK | $3K | — | $3K | 5.88% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR FL 3 MELVILLE, NY 117474268 | UNITEDHEALTHCARE INSURANCE COMPANY | $402 | — | $402 | 10.01% |
| THOMPSON FLANAGAN BENEFITS GROUP3 Filed as: THOMPSON FLANAGAN BENEFITS | 626 WEST JACKSON BLVD.,SUITE 500 CHICAGO, IL 60661 | FEDERAL INSURANCE COMPANY | $291 | $8 | $299 | 15.40% |
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 | 221 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 308 | $3.4M |
| Dental | AETNA LIFE INSURANCE CO. | 214 | $98K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 50 | $4K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 191 | $255K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 221 | $211K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 191 | $256K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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.