| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3 LANDMARK SQUARE 4TH FLOOR STAMFORD, CT 06901 | FIRST RELIANCE STANDARD | $5K | — | $5K | 9.38% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET 24TH FLOOR SAN FRANCISCO, CA 94104 | FIRST RELIANCE STANDARD | — | $373 | $373 | 0.71% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3 LANDMARK SQUARE 4TH FLOOR STAMFORD, CT 06901 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 7.26% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST 24TH FLOOR SAN FRANCISCO, CA 94104 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $811 | $811 | 1.55% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3 LANDMARK SQUARE 4TH FLOOR STAMFORD, CT 06901 | FIRST RELIANCE STANDARD | $3K | — | $3K | 6.36% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET 24TH FLOOR SAN FRANCISCO, CA 94104 | FIRST RELIANCE STANDARD | — | $795 | $795 | 1.77% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3 LANDMARK SQUARE 4TH FLOOR STAMFORD, CT 06901 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $379 | — | $379 | 15.02% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST 24TH FLOOR SAN FRANCISCO, CA 94104 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $38 | $38 | 1.51% |
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 | 253 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 396 | $174K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 396 | $174K |
| Life insurance | FIRST RELIANCE STANDARD | 245 | $45K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 324 | $52K |
| Long-term disability | FIRST RELIANCE STANDARD | 314 | $53K |
| Other(2 contracts, 2 carriers) | FIRST RELIANCE STANDARD | 245 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.