| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 945240668 | UNITEDHEALTHCARE INSURANCE COMPANY | $51K | — | $51K | 4.05% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PKWY WALLINGFORD, CT 064921963 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $16K | $16K | 1.29% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 945240668 | UNITEDHEALTCARE INSURANCE COMPANY | $12K | — | $12K | 9.25% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PKWY WALLINGFORD, CT 064921963 | UNITEDHEALTCARE INSURANCE COMPANY | $6K | — | $6K | 4.62% |
| PROFESSIONAL PENSIONS INC3 | STE 200 10 RESEARCH PKWY WALLINGFORD, CT 06492 | FIRST UNUM LIFE INSURANCE COMPANY | $12K | $3K | $15K | 18.03% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 102159 PASADENA, CA 911892189 | VISION SERVICE PLAN | $1K | — | $1K | 5.28% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PKWY STE 200 WALLINGFORD, CT 06492 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $459 | $3K | 23.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK RD RANCHO CORDOVA, CA 95670 | THE PAUL REVERE LIFE INSURANCE COMPANY | $271 | — | $271 | 5.38% |
| SOTERIA PARTNERS LLC3 | 1050 WALL ST W STE 645 LYNDHURST, NJ 07071 | THE PAUL REVERE LIFE INSURANCE COMPANY | $55 | — | $55 | 1.09% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | C/O NATL ENROLLMENT PARTNERS CRANSTON, RI 02920 | THE PAUL REVERE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.34% |
| JASON SCZEPANIAK3 Filed as: JASON C SHAPIRO | 41 BRENTON ST LITCHFIELD, NH 03052 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.14% |
| SALATHIEL MALDONADO3 | 504 E BOYDS RD CARMEL, NY 10512 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.12% |
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 | 99 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 142 | $1.3M |
| Dental | UNITEDHEALTCARE INSURANCE COMPANY | 100 | $125K |
| Vision | VISION SERVICE PLAN | 100 | $25K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 101 | $97K |
| Short-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 101 | $89K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 101 | $84K |
| Other(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 101 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.