| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER1 | P.O. BOX 5668 CONCORD, CA 945240668 | UNITEDHEALTHCARE INSURANCE COMPANY | $44K | — | $44K | 3.65% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 064921957 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $15K | $15K | 1.27% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD SUITE 800 CONCORD, CA 94524 | EMPIRE HEALTHCHOICE ASSURANCE, INC | $9K | — | $9K | 9.12% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94524 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 6.11% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 4.85% |
| STEVEN J NEEDLE3 | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $758 | — | $758 | 1.64% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94524 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 9.86% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 4.93% |
| STEVEN J NEEDLE3 | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $539 | — | $539 | 1.78% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94524 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 12.86% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 4.93% |
| STEVEN J NEEDLE3 | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $450 | — | $450 | 1.78% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 102159 PASADENA, CA 911892189 | VISION SERVICE PLAN | $1K | — | $1K | 5.27% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST NEW YORK, NY 10014 | THE PAUL REVERE LIFE INSURANCE COMPANY | $406 | — | $406 | 5.89% |
| SOTERIA PARTNERS LLC3 | 1050 WALL ST W LYNDHURST, NJ 07071 | THE PAUL REVERE LIFE INSURANCE COMPANY | $97 | — | $97 | 1.41% |
| SALATHIEL MALDONADO3 | 504 E BOYDS RD CARMEL, NY 10512 | THE PAUL REVERE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.13% |
| JASON SCZEPANIAK3 Filed as: JASON C SHAPIRO | 41 BRENTON ST LITCHFIELD, NH 03052 | THE PAUL REVERE LIFE INSURANCE COMPANY | $8 | — | $8 | 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 | 115 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 145 | $1.2M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC | 153 | $100K |
| Vision | VISION SERVICE PLAN | 111 | $22K |
| Life insurance | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 146 | $46K |
| Short-term disability(2 contracts, 2 carriers) | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 113 | $37K |
| Long-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 113 | $25K |
| Other | THE PAUL REVERE LIFE INSURANCE COMPANY | 10 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.