| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | KAISER FOUNDATION HEALTH PLAN INC | $54K | — | $54K | 3.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVENUE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | DELTA DENTAL OF NEW JERSEY, INC. | $26K | — | $26K | 4.03% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $45K | — | $45K | 11.47% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST 24TH FLOOR SAN FRANCISCO, CA 94104 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 7.43% |
| IMG5 | 2960 NORTH MERIDIAN ST INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $216 | $216 | 0.05% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE BROKERS & CONSULTANT | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVENUE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | EYEMED VISION CARE | $7K | — | $7K | 9.22% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | EYEMED VISION CARE | $378 | — | $378 | 0.49% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | KAISER FOUNDATION HEALTH PLAN INC. | $2K | — | $2K | 2.93% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE BROKERS & CONSULTANT | 350 HUDSON ST 4TH FLOOR NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
| EPIC3 Filed as: EPIC BROKERS & CONSULTANTS | 350 HUDSON ST 4TH FLOOR NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.63% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVENUE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | ALPHA DENTAL PROGRAMS, INC. | $414 | — | $414 | 5.05% |
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 | 1,218 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 258 | $1.7M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 1,268 | $646K |
| Vision | EYEMED VISION CARE | 1,141 | $76K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,218 | $396K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,218 | $396K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,218 | $396K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 258 | $1.6M |
| Other(4 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,218 | $535K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,268 | — |
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.