| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER1 | P.O. BOX 5668 CONCORD, CA 945240668 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 3.75% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 064921957 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 1.23% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94524 | EMPIRE HEALTHCHOICE ASSURANCE, INC | $616 | — | $616 | 7.30% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $167 | — | $167 | 4.99% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94524 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $134 | — | $134 | 4.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94524 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $234 | — | $234 | 9.80% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $117 | — | $117 | 4.90% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94524 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $196 | — | $196 | 9.81% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $98 | — | $98 | 4.91% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 102159 PASADENA, CA 911892189 | VISION SERVICE PLAN | $5 | — | $5 | 0.27% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET NEW YORK, NY 10014 | THE PAUL REVERE LIFE INSURANCE COMPANY | $78 | — | $78 | 13.59% |
| SOTERIA PARTNERS LLC3 | 1050 WALL STREET W LYNDHURST, NJ 07071 | THE PAUL REVERE LIFE INSURANCE COMPANY | $25 | $1 | $26 | 4.53% |
| JASON SCZEPANIAK3 Filed as: JASON C. SHAPIRO | 41 BRENTON STREET LITCHFIELD, NH 03052 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7 | $1 | $8 | 1.39% |
| SATHIEL MALDONADO3 | 3717 CYPRESS AVE BROOKLYN, NY 11224 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.17% |
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 | 137 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 140 | $115K |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC | 106 | $8K |
| Vision | VISION SERVICE PLAN | 107 | $2K |
| Life insurance | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 137 | $3K |
| Short-term disability(2 contracts, 2 carriers) | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 109 | $3K |
| Long-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 109 | $2K |
| Other | THE PAUL REVERE LIFE INSURANCE COMPANY | 10 | $574 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.