| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST 4TH FLOOR NEW YORK, NY 10014 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $84K | — | $84K | 14.34% |
| IMG5 | 2960 NORTH MERIDIAN ST INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $200 | $200 | 0.03% |
| LPL FINANCIAL CORP3 | ATTN CLIENT COMPENSATION DEPARTMENT PO BOX 509026 SAN DIEGO, CA 921509026 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | — | $30K | 5.66% |
| FRENKEL BENEFITS LLC3 | 1140 AVENUE OF THE AMERICAS FLOOR 8 NEW YORK, NY 100365803 | METROPOLITAN LIFE INSURANCE COMPANY | $475 | $174 | $649 | 0.12% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 511398 LOS ANGELES, CA 900517953 | FOUR EVER LIFE INS CO. | $14K | — | $14K | 6.04% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | VISION SERVICE PLAN | $3K | — | $3K | 2.81% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST NEW YORK, NY 10310 | ZURICH AMERICAN INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| MMG AGENCY INC.3 Filed as: MMG AGENCY INC | 1145 FOREST AVENUE STATEN ISLAND, NY 10310 | ZURICH AMERICAN INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVENUE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $6K | 15.09% |
| EPIC3 Filed as: EPIC OF NEW YORK, NY | 350 HUSDON STREET 4TH FLOOR NEW YORK, NY 10014 | FIRST STOP HEALTH | $4K | — | $4K | 9.86% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 20.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 511398 LOS ANGELES, CA 900517953 | FOUR EVER LIFE INS CO. | $3K | — | $3K | 15.00% |
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 | 929 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 929 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | FOUR EVER LIFE INS CO. | 923 | $298K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 821 | $40K |
| Vision | VISION SERVICE PLAN | 823 | $91K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,063 | $1.1M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,063 | $584K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,063 | $584K |
| Other(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,298 | $670K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,298 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.