| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR FL 3 MELVILLE, NY 117474268 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $221K | $221K | 3.44% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS | 1140 AVE OF THE AMERICAS 8FL NEW YORK, NY 10036 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $3K | $10K | 3.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERV INC | PO BOX 2158 RIVERSIDE, CA 92516 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 1.34% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3 LANDMARK SQUARE 4TH FL STAMFORD, CT 06901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 7.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 970 RESERVE DR SUITE 200 ROSEVILLE, CA 95678 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 2.97% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET 24TH FL SAN FRANCISCO, CA 94104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $667 | $667 | 0.57% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3 LANDMARK SQUARE 4TH FL STAMFORD, CT 06901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 10.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 970 RESERVE DR SUITE 200 ROSEVILLE, CA 95678 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 4.67% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET 24TH FL SAN FRANCISCO, CA 94104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $722 | $722 | 0.69% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3 LANDMARK SQUARE 4TH FL STAMFORD, CT 06901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 13.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 970 RESERVE DR SUITE 200 ROSEVILLE, CA 95678 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 6.12% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET 24TH FL SAN FRANCISCO, CA 94104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $485 | $485 | 0.55% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA ST STE 400 SAN FRANCISCO, CA 94111 | VISION SERVICE PLAN | $880 | — | $880 | 2.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | PO BOX 2158 RIVERSIDE, CA 92516 | VISION SERVICE PLAN | $745 | — | $745 | 1.89% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3 LANDMARK SQUARE 4TH FL STAMFORD, CT 06901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 970 RESERVE DR SUITE 200 ROSEVILLE, CA 95678 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 4.83% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET 24TH FL SAN FRANCISCO, CA 94104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $159 | $159 | 0.61% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3 LANDMARK SQUARE 4TH FL STAMFORD, CT 06901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 970 RESERVE DR SUITE 200 ROSEVILLE, CA 95678 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 4.64% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET 24TH FL SAN FRANCISCO, CA 94104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $154 | $154 | 0.62% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3 LANDMARK SQUARE 4TH FL STAMFORD, CT 06901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 970 RESERVE DR SUITE 200 ROSEVILLE, CA 95678 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $855 | — | $855 | 4.63% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET 24TH FL SAN FRANCISCO, CA 94104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $104 | $104 | 0.56% |
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 | 248 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,041 | $6.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 340 | $260K |
| Vision | VISION SERVICE PLAN | 337 | $39K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 197 | $117K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 184 | $88K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 112 | $105K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 174 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,041 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.