| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | EMPIRE HEALTHCHOICE ASSURANCE, INC | $201K | $23K | $223K | 4.17% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1740 BROADWAY 5TH FLOOR NEW YORK, NY 10019 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 9.62% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST 24TH FLOOR SAN FRANCISCO, CA 94104 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 5.42% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $88 | $88 | 0.03% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | EYEMED VISION CARE | $3K | — | $3K | 13.73% |
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 | 520 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 520 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC | 508 | $5.4M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC | 508 | $5.4M |
| Vision | EYEMED VISION CARE | 491 | $24K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 596 | $301K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 596 | $301K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 596 | $301K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 596 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 596 | — |
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.
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.