| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA ST STE 400 SAN FRANCISCO, CA 94111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $68K | $68K | 6.28% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FIN SVC LLC | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $27K | $27K | 2.51% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR FL 3 MELVILLE, NY 117474268 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $43 | $5K | 12.87% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY & FIN. SERV | PO BOX 664173 DALLAS, TX 752664173 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.68% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | — | $545 | $545 | 1.35% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 BLUE HILL PLAZA 12TH FLOOR PEARL RIVER, NY 10965 | DELTA DENTAL OF NEW JERSEY, INC. | $2K | — | $2K | 6.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 BLUE HILL PLAZA 12TH FLOOR PEARL RIVER, NY 10965 | DELTA DENTAL OF CONNECTICUT, INC. | $313 | — | $313 | 6.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 135 MAIN ST 21ST FL SAN FRANCISCO, CA 94105 | ALPHA DENTAL PROGRAMS, INC. | $229 | — | $229 | 5.99% |
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 | 148 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 159 | $1.1M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 179 | $83K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 179 | $46K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 179 | $40K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 179 | $40K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 179 | $40K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 179 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.