| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1740 BROADWAY 5TH FLOOR NEW YORK, NY 10019 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 9.55% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST 24TH FL SAN FRANCISCO, CA 94104 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $12K | $12K | 4.24% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $94 | $94 | 0.03% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 5.02% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF AMERICAS 8TH FLOOR NEW YORK, NY 10036 | ARMADACARE | $3K | — | $3K | 3.84% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVENUE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | EYEMED VISION CARE | $2K | — | $2K | 10.94% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 945207924 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $410 | $102 | $512 | 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 | 421 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 421 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARMADACARE | 4 | $68K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 294 | $195K |
| Vision | EYEMED VISION CARE | 433 | $21K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 484 | $283K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 484 | $283K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 484 | $283K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 484 | $283K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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.