| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA STREET SUITE 100 SAN FRANCISCO, CA 94111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $11K | $77K | $88K | 3.30% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | $24K | $27K | 1.02% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE BROKERS | AND CONSULTANTS 350 HUDSON ST 4TH FLOOR NEW YORK, NY 10014 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $12K | — | $12K | 26.24% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE BROKERS | AND CONSULTANTS 350 HUDSON ST 4TH FLOOR NEW YORK, NY 10014 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $2K | — | $2K | 24.80% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE BROKERS | AND CONSULTANTS 350 HUDSON ST 4TH FLOOR NEW YORK, NY 10014 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $924 | — | $924 | 25.31% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON ST 4TH FLOOR NEW YORK, NY 10014 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $41 | — | $41 | 1.12% |
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 | 222 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 210 | $2.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 210 | $2.7M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 210 | $2.7M |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 222 | $46K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 18 | $8K |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 222 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.