| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3333 PIEDMONT RD NE SUITE 1400 ATLANTA, GA 30305 | SUN LIFE ASSURANCE COMPANY OF CANADA | $111K | — | $111K | 1.80% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 3333 PIEDMONT ROAD NE SUITE 1400 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $112K | $40K | $152K | 4.07% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 3333 PIEDMONT ROAD NE SUITE 1400 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $122K | $16K | $138K | 16.96% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC D/B/A INTEGRO IB | — | METROPOLITAN LIFE INSURANCE COMPANY | $23K | — | $23K | 14.97% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3333 PIEDMONT RD NE SUITE 1400 ATLANTA, GA 303051760 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 3.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN AGEN | — | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.24% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 3333 PIEDMONT ROAD NE SUITE 1400 ATLANTA, GA 30305 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | $3K | $5K | 3.83% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 3333 PIEDMONT ROAD NE SUITE 1400 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $54 | $100 | $154 | 4.24% |
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 | 18,950 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 185 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 19,135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | GEISINGER QUALITY OPTIONS | 855 | $23.0M |
| Dental | HMSA | 27 | $136K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 17,638 | $6.2M |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 19,135 | $9.9M |
| Prescription drug | TRIPLE-S SALUD, INC. | 29 | $678K |
| Other(5 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 19,135 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,135 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.