| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA ST SAN FRANCISCO, CA 94111 | AETNA LIFE INSURANCE CO. | $14K | — | $14K | 0.27% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE CO. | $126 | — | $126 | 0.00% |
| NATIONAL BENEFITS GROUP OF AMERICA3 | 3820 NORTHDALE BLVD STE 103 TAMPA, FL 336241863 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | — | $23K | 20.32% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 554362440 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 4.40% |
| MONTSHIRE GLOBAL DISTRIBUTORS3 | DBA BENEBLOC 410 ARCHIBALD ST KANSAS CITY, MO 641113288 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.10% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | -$11K | $148 | -$11K | -9.76% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $772 | $10K | 14.99% |
| NATIONAL BENEFITS GROUP OF AMERICA3 | 3820 NORTHDALE BLVD STE 103 TAMPA, FL 336241863 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 21.29% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 554392440 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 14.36% |
| MONTSHIRE GLOBAL DISTRIBUTORS3 | DBA BENEBLOC 410 ARCHIBALD ST KANSAS CITY, MO 641113288 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.59% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | -$3K | $118 | -$3K | -6.00% |
| NATIONAL BENEFITS GROUP OF AMERICA3 | 3820 NORTHDALE BLVD STE 103 TAMPA, FL 336241863 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 29.83% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 554392240 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 12.96% |
| MONTSHIRE GLOBAL DISTRIBUTORS3 | DBA BENEBLOC 410 ARCHIBALD ST KANSAS CITY, MO 641113288 | METROPOLITAN LIFE INSURANCE COMPANY | $840 | — | $840 | 2.77% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | -$4K | $70 | -$4K | -11.59% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 554392440 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 2419.76% |
| NATIONAL BENEFITS GROUP OF AMERICA3 | 3820 NORTHDALE BLVD STE 103 TAMPA, FL 336241863 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 769.88% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | -$3K | — | -$3K | -768.67% |
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 | 447 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 456 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 913 | $5.3M |
| Dental | AETNA LIFE INSURANCE CO. | 913 | $5.2M |
| Vision | AETNA LIFE INSURANCE CO. | 913 | $5.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 447 | $64K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $114K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 447 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 913 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.