| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $94K | $94K | 4.08% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVC LLC | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $49K | $49K | 2.12% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 945240668 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 9.98% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $629 | $4K | 12.08% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 5.69% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $2K | $5K | 17.16% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 5.72% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $497 | $3K | 12.14% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $1K | $1K | 5.71% |
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 | 141 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 190 | $2.4M |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 65 | $28K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 76 | $23K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 68 | $30K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 190 | $2.4M |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 65 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.