| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 5909 PEACHTREE DUNWOODY RD BLDG D STE 800 ATLANTA, GA 30328 | DELTA DENTAL OF NEW YORK | $69K | — | $69K | 2.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 5909 PEACHTREE DUNWOODY RD STE 800 ATLANTA, GA 303288103 | METROPOLITAN LIFE INSURANCE COMPANY | $86K | $43 | $86K | 5.35% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | — | $23K | $23K | 1.45% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 5909 PEACHTREE DUNWOODY RD STE 800 ATLANTA, GA 303288103 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | $43 | $49K | 5.44% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | — | $13K | $13K | 1.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $40K | — | $40K | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $23K | $23K | 2.82% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1401 WILLOW PASS RD STE 850 CONCORD, CA 945207962 | KAISER FOUNDATION HEALTH PLAN INC | $14K | — | $14K | 2.03% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $55K | — | $55K | 40.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $18K | $18K | 12.75% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 SAN MATEO, CA 94524 | ARAG INSURANCE COMPANY | $14K | — | $14K | 10.00% |
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 | 4,436 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 69 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,505 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MVP HEALTHCARE | 7,882 | $56.0M |
| Dental | DELTA DENTAL OF NEW YORK | 8,103 | $3.5M |
| Vision | EYEMED VISION CARE | 7,014 | $541K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 4,436 | $2.5M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,708 | $138K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,654 | $799K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 92 | $682K |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,436 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,103 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.