| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 PINELAWN RD SUITE 220N MELVILLE, NY 11747 | BLUECROSS BLUESHIELD OF TEXAS | $77K | $10K | $87K | 0.28% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD SUITE 2500 HOUSTON, TX 77056 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $322K | — | $322K | 7.71% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST 24TH FL SAN FRANCISCO, CA 94104 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $200K | — | $200K | 4.78% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD FL 25 HOUSTON, TX 77056 | SYMETRA LIFE INSURANCE COMPANY | — | $92K | $92K | 4.46% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | VISION SERVICE PLAN | $9K | — | $9K | 2.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $177 | $177 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CVS HEALTH EIN 05-0494040 ADMINISTRATOR | Contract Administrator Service code 13 | — | $7.5M |
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $327K |
| PRUDENTIAL INSURANCE CO OF AMERICA EIN 22-1211670 ADMINISTRATOR | Contract Administrator Service code 13 | — | $159K |
| EVERNORTH BEHAVIORAL HEALTH INC EIN 41-1648670 ADMISNITRATOR | Contract Administrator; Claims processing; Direct payment from the plan; Participant communication Service code 12 | — | $36K |
| WEX INC EIN 01-0526993 ADMISNITRATOR | Claims processing Service code 12 | — | $27K |
| COMPSYCH EIN 35-3739783 ADMINISTRATOR | Contract Administrator Service code 13 | — | $0 |
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 | 2,713 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,713 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 6,225 | $30.7M |
| Dental | DELTA DENTAL | 7,337 | $0 |
| Vision | VISION SERVICE PLAN | 2,263 | $448K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,713 | $4.2M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,713 | $4.2M |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 5,190 | $2.1M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,713 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,337 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.