| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF THE AMERICAS APT/PO 8TH FL NEW YORK, NY 10036 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $162K | — | $162K | 1.53% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR 3RD FLOOR MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $43K | $43K | 0.40% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | TRIPLE S SALUD, INC. | $11K | — | $11K | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET NEW YORK, NY 10014 | HARTFORD LIFE AND ACCIDENT | $21K | — | $21K | 15.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 0.91% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | AETNA LIFE INSURANCE COMPANY | $7K | — | $7K | 9.76% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVENUE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | EYEMED VISION CARE | $6K | — | $6K | 11.54% |
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 | 5,871 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,871 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,424 | $10.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,424 | $10.6M |
| Vision(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 1,198 | $116K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,728 | $140K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,728 | $140K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,728 | $140K |
| Prescription drug(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,424 | $10.9M |
| Other | HARTFORD LIFE AND ACCIDENT | 2,728 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,728 | — |
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.