| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER Filed as: EDGEWOOD PARTNERS INSURANCE | P.O. BOX 5668 CONCORD, CA 94524 | UNITED HEALTHCARE | — | — | $0 | 0.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER Filed as: EDGEWOOD PARTNERS INSURANCE | P.O. BOX 5668 CONCORD, CA 94524 | FIRST UNUM LIFE | $9K | — | $9K | 7.14% |
| EDGEWOOD PARTNERS INSURANCE CENTER Filed as: EDGEWOOD PARTNERS INSURANCE | P.O. BOX 5668 CONCORD, CA 94524 | FIRST UNUM LIFE | $3K | — | $3K | 7.12% |
| EDGEWOOD PARTNERS INSURANCE CENTER Filed as: EDGEWOOD PARTNERS INSURANCE | P.O. BOX 5668 CONCORD, CA 94524 | UNITED HEALTHCARE | $3K | — | $3K | 10.10% |
| EDGEWOOD PARTNERS INSURANCE CENTER Filed as: EDGEWOOD PARTNERS INSURANCE | P.O. BOX 5668 CONCORD, CA 94524 | AETNA | $1K | — | $1K | 4.00% |
| AON CONSULTING INC Filed as: AON RISK SERVICES NORTHEAST | ONE LIBERTY PLAZA 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | FEDERAL INSURANCE | $1K | — | $1K | 15.00% |
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 | 72 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 72 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 72 | $1.5M |
| Dental(2 contracts, 2 carriers) | UNITED HEALTHCARE | 44 | $59K |
| Life insurance | FIRST UNUM LIFE | 108 | $45K |
| Long-term disability | FIRST UNUM LIFE | 100 | $127K |
| Other | FEDERAL INSURANCE | 108 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.