| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 734004 CHICAGO, IL 60673 | HIGHMARK INC. | $118K | — | $118K | 5.16% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 12.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST 4TH FL NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $618 | — | $618 | 0.84% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 12.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST 4TH FLOOR NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $299 | — | $299 | 0.86% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD SUITE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 12.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST 4TH FL NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $278 | — | $278 | 0.85% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 14.79% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 14.76% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 12.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST 4TH FL NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $104 | — | $104 | 0.85% |
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 | 175 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 320 | $2.3M |
| Dental | HIGHMARK INC. | 320 | $2.3M |
| Vision | EYEMED VISION CARE | 284 | $20K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 349 | $73K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 175 | $33K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 166 | $35K |
| Prescription drug | HIGHMARK INC. | 320 | $2.3M |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 349 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.