| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA ST STE SAN FRANCISCO, CA 94111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $125K | $125K | 4.13% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA STREET SUITE 100 SAN FRANCISCO, CA 94111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $16K | — | $16K | 9.27% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA ST SUITE 400 SAN FRANCISCO, CA 94111 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $5K | — | $5K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST 4TH FLOOR NEW YORK, NY 10014 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $2K | $2K | 3.53% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA ST SUITE 400 SAN FRANCISCO, CA 94111 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $5K | — | $5K | 15.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST 4TH FLOOR NEW YORK, NY 10014 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $1K | $1K | 3.43% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA ST SUITE 400 SAN FRANCISCO, CA 94111 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 15.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST 4TH FLOOR NEW YORK, NY 10014 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $798 | $798 | 3.31% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVENUE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 100365811 | KAISER FOUNDATION HEALTH PLANS | $1K | — | $1K | 4.27% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVENUE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $815 | $3K | 16.78% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA ST SUITE 400 SAN FRANCISCO, CA 94111 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 14.99% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST 4TH FL NEW YORK, NY 10014 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $182 | $182 | 2.10% |
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 | 266 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 374 | $3.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 240 | $167K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 240 | $167K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 289 | $33K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 245 | $47K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 245 | $24K |
| Prescription drug | KAISER FOUNDATION HEALTH PLANS | 5 | $24K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 266 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.