| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA ST STE 400 SAN FRANCISCO, CA 941115402 | UNITEDHEALTHCARE INSURANCE COMPANY | $83K | — | $83K | 2.13% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CE | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | GUARDIAN | $15K | $8K | $23K | 8.37% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR FL 3 MELVILLE, NY 117474268 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 7.49% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DRIVE MELVILLE, NY 11747 | AETNA LIFE INSURANCE CO. | $5K | $14 | $5K | 8.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 40 MARCUS DRIVE, 3RD FLOOR MELVILLE, NY 11747 | STANDARD LIFE INS CO OF NY | $3K | — | $3K | 6.80% |
| 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 | 12.91% |
| MICHAEL A BOOK3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $942 | $143 | $1K | 2.87% |
| CHRISTOPHER SZEM3 Filed as: CHRISTOPHER P FURRULE | STE 100 1305 CAMPUS PKWY WALL TOWNSHIP, NJ 07753 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SERVICES IN | 626 W JACKSON BLVD #500 CHICAGO, IL 60661 | FEDERAL INSURANCE COMPANY | $291 | $44 | $335 | 17.25% |
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 | 241 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 291 | $3.9M |
| Dental | AETNA LIFE INSURANCE CO. | 208 | $58K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 220 | $72K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 215 | $313K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 241 | $274K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 215 | $310K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.