| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P O BOX 511398 LOS ANGELES, CA 90051 | METROPOLITAN LIFE INSURANCE COMPANY | — | $75K | $75K | 1.38% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P O BOX 102158 PASADENA, CA 91189 | THE HARTFORD LIFE AND ACCIDENT INSURANCE CO | $349K | — | $349K | 9.65% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P O BOX 511398 LOS ANGELES, CA 90051 | THE HARTFORD LIFE AND ACCIDENT INSURANCE CO | — | $41K | $41K | 1.13% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P O BOX 5668 CONCORD, CA 94524 | KAISER FOUNDATION HEALTH PLAN INC | — | $5K | $5K | 0.47% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 300969022 | VISION SERVICE PLAN | $10K | — | $10K | 1.22% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | METROPOLITAN LIFE INSURANCE COMPANY | $120K | — | $120K | 18.30% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P O BOX 511398 LOS ANGELES, CA 90051 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12K | $12K | 1.83% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | — | $5K | $5K | 0.87% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | METROPOLITAN LIFE INSURANCE COMPANY | $65K | — | $65K | 18.30% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P O BOX 511398 LOS ANGELES, CA 90051 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 1.83% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P O BOX 5668 CONCORD, CA 94524 | KAISER FOUNDATION HEALTH PLAN INC | — | $1K | $1K | 0.49% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P O BOX 102159 PASADENA, CA 91189 | HARTFORD LIFE AND ACCIDENT COMPANY | $26K | $3K | $29K | 11.26% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $18K | — | $18K | 20.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 3475 PIEDMONT ROAD SUITE 800 ATLANTA, GA 30305 | FEDERAL INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADMIN | Contract Administrator; Direct payment from the plan; Other services; Participant communication; Non-monetary compensation; Claims processing; Named fiduciary; Float revenue Service code 12 | — | $4.3M |
| HARTFORD LIFE AND ACCIDENT EIN 06-0838648 CLAIMS ADMIN | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator Service code 12 | — | $115K |
| EDGEWOOD PARTNERS INSURANCE CENTER AGENT BROKER | Insurance agents and brokers; Insurance services Service code 22 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | $40K |
| THE MCCART GROUP AGENT BROKER | Insurance services; Insurance agents and brokers Service code 22 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | $13 |
| CIGNA | Float revenue; Participant communication; Direct payment from the plan; Other services; Named fiduciary; Contract Administrator; Claims processing; Non-monetary compensation Service code 12 | — | $0 |
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 | 5,029 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 205 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 3,346 | $3.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 11,811 | $5.5M |
| Vision | VISION SERVICE PLAN | 5,969 | $808K |
| Life insurance | THE HARTFORD LIFE AND ACCIDENT INSURANCE CO | 5,029 | $3.6M |
| Long-term disability | THE HARTFORD LIFE AND ACCIDENT INSURANCE CO | 5,029 | $3.6M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 11,684 | $1.6M |
| Other(4 contracts, 3 carriers) | THE HARTFORD LIFE AND ACCIDENT INSURANCE CO | 5,029 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,811 | — |
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.