| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $11K | — | $11K | 8.00% |
| UNIVEST INSURANCE INC3 | 521 W MAIN ST PO BOX 391 LANSDALE, PA 19446 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 1.93% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $1K | $1K | 0.96% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSUANCE, INC | 521 W MAIN ST PO BOX 391 LANSDALE, PA 19446 | LIFE INSURANCE COMPANY OF NOTH AMERICA | $5K | — | $5K | 5.18% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER LL STE 391 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NOTH AMERICA | $3K | $752 | $4K | 3.99% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 217 US HIGHWAY 130 BORDENTOWN, NJ 08505 | LIFE INSURANCE COMPANY OF NOTH AMERICA | $185 | — | $185 | 0.20% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER LL STE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $726 | $2K | $3K | 4.47% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 217 US HIGHWAY 130 BORDENTOWN, NJ 08505 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 3.34% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE, INC | 521 W MAIN ST PO BOX 391 LANSDALE, PA 19446 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 2.26% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 217 US HIGHWAY 130 BORDENTOWN, NJ 08505 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 4.63% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II STE 305 ELWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $481 | $1K | $2K | 4.20% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSUARNCE, INC | 521 W MAIN ST PO BOX 391 LANSDALE, PA 19446 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 2.73% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVENUE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 6.47% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE, INC | 6339 BEVERLY HILLS ROAD COOPERSBURG, PA 18036 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $987 | — | $987 | 3.72% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 214 US HIGHWAY 130 BORDENTOWN, NJ 08505 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $730 | — | $730 | 9.27% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE, INC | 521 W MAIN ST PO BOX 391 LANSDALE, PA 19446 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $214 | $247 | $461 | 5.86% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER LL STE 205 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $89 | — | $89 | 1.13% |
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 | 62 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 62 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 61 | $139K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 196 | $27K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 85 | $42K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 62 | $64K |
| Long-term disability | LIFE INSURANCE COMPANY OF NOTH AMERICA | 62 | $91K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 85 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.