| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | DELTA DENTAL OF NEW YORK | $99K | — | $99K | 2.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. 102159 PASADENA, CA 91189 | HARTFORD LIFE AND ACCIDENT | $326K | $62K | $388K | 11.88% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | VISION SERVICE PLAN | $10K | — | $10K | 1.21% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | METROPOLITAN LIFE INSURANCE COMPANY | $156K | — | $156K | 19.85% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. 511398 LOS ANGELES, CA 90051 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10K | $10K | 1.29% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | METROPOLITAN LIFE INSURANCE COMPANY | $82K | — | $82K | 19.89% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 511398 LOS ANGELES, CA 90051 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 1.30% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | HARTFORD LIFE AND ACCIDENT | $24K | $4K | $28K | 11.64% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 3475 PEIDMONT ROAD NE SUITE 800 ATLANTA, GA 30305 | ACE AMERICAN INSURANCE COMPANY | $30K | — | $30K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIMS ADMIN | Participant communication; Float revenue; Claims processing; Non-monetary compensation; Named fiduciary; Other services; Contract Administrator; Direct payment from the plan Service code 12 | — | $3.8M |
| EDGEWOOD PARTNERS INSURANCE CENTER EIN 94-3195221 AGENT BROKER | Insurance services; Insurance agents and brokers Service code 22 | — | $55K |
| CIGNA | Non-monetary compensation; Float revenue; Claims processing; Other services; Contract Administrator; Direct payment from the plan; Participant communication; Named fiduciary 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 | 5,448 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 3,643 | $3.9M |
| Dental | DELTA DENTAL OF NEW YORK | 11,588 | $4.9M |
| Vision | VISION SERVICE PLAN | 5,562 | $795K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 5,448 | $3.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 5,448 | $3.3M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 10,741 | $2.0M |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,448 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,588 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.