| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTENRS INSURANCE CENTER | P.O. BOX 102159 PASADENA, CA 91189 | HARTFORD LIFE AND ACCIDENT | $42K | $8K | $50K | 10.07% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET SUITE 2400 SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN INC | $12K | $1 | $12K | 4.88% |
| BRECHER, STEFAN, R3 Filed as: BRECHER AND GREENBERG LLC | 3438 PEACHTREE ROAD SUITE 1200 ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 7.89% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30039 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 7.79% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.99% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 102159 PASADENA, CA 91189 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 0.99% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | VISION SERVICE PLAN | $2K | — | $2K | 2.77% |
| NORTHWEST BENEFIT CORP OF GA3 Filed as: NORTHWEST BENEFIT CORP/GA | 3333 RIVERWOOD PARKWAY SE SUITE 400 ATLANTA, GA 30339 | VISION SERVICE PLAN | $2K | — | $2K | 2.42% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | HARTFORD LIFE AND ACCIDENT | $3K | $249 | $3K | 16.29% |
| ASBURY, DAVID, HARRIS3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $615 | — | $615 | 4.37% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $356 | — | $356 | 2.53% |
| BRECHER, STEFAN, R3 | 3438 PEACHTREE ROAD SUITE 1200 ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $307 | — | $307 | 2.18% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 102159 PASADENA, CA 91189 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $7 | $7 | 0.05% |
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 | 388 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 425 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 374 | $521K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 971 | $0 |
| Vision | VISION SERVICE PLAN | 384 | $86K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 588 | $496K |
| Short-term disability(2 contracts) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 117 | $124K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 588 | $496K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 374 | $283K |
| Other(3 contracts) | HARTFORD LIFE AND ACCIDENT | 588 | $519K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 971 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.