| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3333 PIEDMONT RD NE STE 1400 ATLANTA, GA 303051760 | METROPOLITAN LIFE INSURANCE COMPANY | $71K | — | $71K | 4.16% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3333 PIEDMONT RD NE STE 1400 ATLANTA, GA 303051760 | METROPOLITAN LIFE INSURANCE COMPANY | $70K | — | $70K | 4.17% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3333 PIEDMONT RD NE STE 1400 ATLANTA, GA 303051760 | METROPOLITAN LIFE INSURANCE COMPANY | $56K | — | $56K | 4.16% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | 3333 PIEDMONT RD. NE, STE 1400 ATLANTA, GA 303051760 | KAISER FOUNDATION HEALTH PLAN INC | $38K | — | $38K | 3.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3333 PIEDMONT RD NE STE 1400 ATLANTA, GA 303051760 | METROPOLITAN LIFE INSURANCE COMPANY | $46K | — | $46K | 4.16% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3333 PIEDMONT RD NE STE 1400 ATLANTA, GA 303051760 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | — | $29K | 4.17% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3333 PIEDMONT RD NE STE 1400 ATLANTA, GA 303051760 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | — | $26K | 4.16% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | ARAG INSURANCE COMPANY | $10K | — | $10K | 6.64% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | ARAG INSURANCE COMPANY | $5K | — | $5K | 3.36% |
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 | 6,344 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | MVP HEALTHCARE | 5,550 | $46.8M |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 6,753 | $5.4M |
| Vision(2 contracts) | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 6,210 | $743K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 5,961 | $3.4M |
| Short-term disability(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 6,243 | $3.3M |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 3,655 | $1.3M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 275 | $1.3M |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,961 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,753 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.