| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNER INSURANCE CENTER3 | 350 HUDSON STREET NEW YORK, NY 10014 | AETNA LIFE INSURANCE CO. | $16K | $18K | $34K | 0.43% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET NEW YORK, NY 10014 | AETNA LIFE INSURANCE CO. | — | $20K | $20K | 0.25% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1740 BROADWAY 5TH FLOOR NEW YORK, NY 10019 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $31K | — | $31K | 12.52% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET 24TH FLOOR SAN FRANCISCO, CA 94104 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 6.44% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $74 | $74 | 0.03% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $12 | $12 | 0.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 NEW YORK, CA 94520 | EYEMED | $3K | — | $3K | 7.50% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | EYEMED | $1K | — | $1K | 2.43% |
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 | 410 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 931 | $8.0M |
| Dental | AETNA LIFE INSURANCE CO. | 931 | $8.0M |
| Vision | EYEMED | 825 | $45K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 572 | $249K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 572 | $249K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 572 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 931 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.