| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | BERKSHIRE HATHAWAY SPECIALTY COMPANY | $73K | — | $73K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST 24TH FLOOR SAN FRANCISCO, CA 94104 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $58K | — | $58K | 9.55% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST 4TH FLOOR NEW YORK, NY 10014 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 4.53% |
| IMG5 | 2960 NORTH MERIDIAN ST INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $190 | $190 | 0.03% |
| LPL FINANCIAL CORP3 | ATTN CLIENT COMPENSATION DEPARTMENT PO BOX 509026 SAN DIEGO, CA 921509026 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $15 | $26K | 4.72% |
| FRENKEL BENEFITS LLC3 | 1140 AVENUE OF THE AMERICAS FLOOR 8 NEW YORK, NY 100365803 | METROPOLITAN LIFE INSURANCE COMPANY | $513 | $280 | $793 | 0.14% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 511398 LOS ANGELES, CA 90051 | FOUR EVER LIFE INS CO. | $14K | — | $14K | 6.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | VISION SERVICE PLAN | $2K | — | $2K | 2.58% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVENUE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $38K | $730 | $38K | 53.79% |
| EPIC3 Filed as: EPIC OF NEW YORK, NY | 350 HUSDON STREET 4TH FLOOR NEW YORK, NY 10014 | FIRST STOP HEALTH | $3K | — | $3K | 8.47% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 20.72% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 511398 LOS ANGELES, CA 90051 | 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 | 955 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 955 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | FOUR EVER LIFE INS CO. | 955 | $298K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 857 | $71K |
| Vision | VISION SERVICE PLAN | 862 | $94K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,075 | $1.2M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,075 | $606K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,075 | $606K |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY COMPANY | 850 | $727K |
| Other(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,192 | $638K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,192 | — |
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.