| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 100 MONTGOMERY ST STE 2000 SAN FRANCISCO, CA 941044348 | UNITEDHEALTHCARE INSURANCE COMPANY | $39K | — | $39K | 4.40% |
| EDGEWOOD PARTNER INSURANCE CENTER3 | 100 MONTGOMERY ST STE 2000 SAN FRANCISCO, CA 941044348 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 5.80% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR 3RD FLOOR MELVILLE, NY 11747 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $840 | $3K | 6.06% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR 3RD FLOOR MELVILLE, NY 11747 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $868 | $101 | $969 | 16.74% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 911892189 | VISION SERVICE PLAN | $411 | — | $411 | 9.48% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR 3RD FLOOR MELVILLE, NY 11747 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $154 | $61 | $215 | 11.17% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 240 | $893K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 153 | $62K |
| Vision | VISION SERVICE PLAN | 116 | $4K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 168 | $54K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 168 | $48K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 168 | $48K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 168 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.