| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST 24TH FLOOR SAN FRANCISCO, CA 94104 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $122K | — | $122K | 6.94% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $36K | — | $36K | 2.04% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE BROKERS & CONSULTANT | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $48K | — | $48K | 5.91% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $43K | $5K | $48K | 27.28% |
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 | 2,053 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,053 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 41 | $813K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,918 | $988K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,863 | $5.4M |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,400 | $1.9M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,400 | $1.8M |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,400 | $1.9M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,863 | $5.2M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,400 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,863 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.