| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P O BOX 102158 PASADENA, CA 91189 | HARTFORD LIFE AND ACCIDENT | $39K | — | $39K | 8.58% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P O BOX 511398 LOS ANGELES, CA 90051 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 0.67% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P O BOX 5668 CONCORD, CA 94524 | KAISER FOUNDATION HEALTH PLAN INC | $13K | $1 | $13K | 5.30% |
| BREECHER & GREENBERG LLC3 | 3438 PEACHTREE ROAD SUITE 1200 ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 8.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFITS CORP OF GA | 3438 PEACHTREE ROAD SUITE 1100 ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 8.32% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $690 | — | $690 | 0.47% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P O BOX 511398 LOS ANGELES, CA 90051 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $408 | — | $408 | 0.28% |
| DAVID ASBURY3 Filed as: DAVID HARRIS ASBURY | 3438 PEACHTREE ROAD SUITE 1100 ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $939 | — | $939 | 4.74% |
| STEFAN BRECHER3 | 3438 PEACHTREE ROAD SUITE 1200 ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $470 | — | $470 | 2.37% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $186 | — | $186 | 0.94% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P O BOX 511398 LOS ANGELES, CA 90051 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $147 | $147 | 0.74% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P O BOX 102159 PASADENA, CA 91189 | HARTFORD LIFE AND ACCIDENT COMPANY | $3K | $98 | $3K | 15.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $363K |
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 | 383 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 21 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 365 | $607K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,015 | $0 |
| Vision | VISION SERVICE PLAN | 375 | $82K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 383 | $453K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 383 | $453K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 365 | $363K |
| Other(5 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 383 | $637K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,015 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.