| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER1 | P.O. BOX 5668 CONCORD, CA 945240668 | UNITEDHEALTHCARE INSURANCE COMPANY | $55K | — | $55K | 3.96% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 064921957 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $20K | $20K | 1.47% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD SUITE 800 CONCORD, CA 94524 | EMPIRE HEALTHCHOICE ASSURANCE, INC | $11K | — | $11K | 9.95% |
| PROFESSIONAL PENSIONS INC3 | STE 200 10 RESEARCH PKWY WALLINGFORD, CT 06492 | FIRST UNUM LIFE INSURANCE COMPANY | $11K | $3K | $14K | 21.34% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 102159 PASADENA, CA 911892189 | VISION SERVICE PLAN | $1K | — | $1K | 5.11% |
| PROFESSIONAL PENSIONS INC3 | STE 200 10 RESEARCH PKWY WALLINGFORD, CT 06492 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $473 | $3K | 27.12% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA ST STE 400 SAN FRANCISCO, CA 94111 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $594 | — | $594 | 8.44% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $352 | — | $352 | 5.00% |
| 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% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA ST STE 400 SAN FRANCISCO, CA 94111 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $523 | — | $523 | 9.79% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $262 | — | $262 | 4.91% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA ST STE 400 SAN FRANCISCO, CA 94111 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $542 | — | $542 | 12.32% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $217 | — | $217 | 4.93% |
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 | 123 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 164 | $1.4M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC | 161 | $111K |
| Vision | VISION SERVICE PLAN | 117 | $24K |
| Life insurance(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 141 | $82K |
| Short-term disability(3 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 123 | $78K |
| Long-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 123 | $70K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 164 | $1.4M |
| Other(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 123 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.