| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 19000 MACARTHUR BLVD., PENTHOUSE FL IRVINE, CA 92612 | AETNA LIFE INSURANCE COMPANY | $190K | $10K | $200K | 4.77% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 225 NE MIZNER BLVD. BOCA RATON, FL 33432 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 7.36% |
| AMERICANIZED BENEFIT CONSULTANTS3 Filed as: AMERICANIZED BENEFIT | 9575 KATY FREEWAY HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.64% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 350 5TH AVENUE NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.81% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 225 NE MIZNER BLVD. BOCA RATON, FL 33432 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.23% |
| AMERICANIZED BENEFIT CONSULTANTS3 Filed as: AMERICANIZED BENEFIT | 9575 KATY FREEWAY HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.10% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 350 5TH AVENUE NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.67% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 225 NE MIZNER BLVD. BOCA RATON, FL 33432 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.11% |
| AMERICANIZED BENEFIT CONSULTANTS3 Filed as: AMERICANIZED BENEFIT | 9575 KATY FREEWAY HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.54% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 350 5TH AVENUE NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.69% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O.BOX 102159 PASADENA, CA 91189 | VISION SERVICE PLAN | $4K | — | $4K | 6.38% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 1787 SENTRY PKWY W VEVA BLUE BELL, PA 19422 | VISION SERVICE PLAN | $2K | — | $2K | 2.48% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 225 NE MIZNER BLVD. BOCA RATON, FL 33432 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 5.65% |
| AMERICANIZED BENEFIT CONSULTANTS3 Filed as: AMERICANIZED BENEFIT | 9575 KATY FREEWAY HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.48% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 225 NE MIZNER BLVD. BOCA RATON, FL 33432 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 225 NE MIZNER BLVD. BOCA RATON, FL 33432 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $743 | — | $743 | 5.90% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 23.46% |
| AMERICANIZED BENEFIT CONSULTANTS3 Filed as: AMERICANIZED BENEFIT | 9545 KATY FREEWAY HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | $59 | — | $59 | 0.54% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 37.50% |
| AMERICANIZED BENEFIT CONSULTANTS3 Filed as: AMERICANIZED BENEFIT | 9545 KATY FREEWAY HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | $19 | — | $19 | 0.40% |
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 | 385 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 685 | $4.2M |
| Vision | VISION SERVICE PLAN | 357 | $61K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 385 | $177K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 384 | $66K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 385 | $75K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 685 | $4.2M |
| Other(6 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 385 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 685 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.