| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA STREET SAN FRANCISCO, CA 94111 | AETNA LIFE INSURANCE CO. | $19K | $31K | $50K | 0.80% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE CO. | -$126 | — | -$126 | -0.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $537 | $31K | 19.21% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 55439 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $747 | $20K | 12.59% |
| NATIONAL BENEFITS GROUP OF AMERICA3 | 3820 NORTHDALE BLVD STE 103 TAMPA, FL 33624 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 7.32% |
| MONTSHIRE GLOBAL DISTRIBUTORS3 | 410 ARCHIBALD ST KANSAS CITY, MO 64111 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 4.23% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 55439 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $494 | $9K | 8.78% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $226 | $4K | 3.68% |
| MONTSHIRE GLOBAL DISTRIBUTORS3 | 410 ARCHIBALD ST KANSAS CITY, MO 64111 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.92% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $1K | $12K | 14.56% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 55439 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $514 | $17K | 30.41% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $259 | $7K | 12.75% |
| MONTSHIRE GLOBAL DISTRIBUTORS3 | 410 ARCHIBALD ST KANSAS CITY, MO 64111 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 6.74% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 55439 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $274 | $10K | 26.68% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $149 | $4K | 11.84% |
| MONTSHIRE GLOBAL DISTRIBUTORS3 | 410 ARCHIBALD ST KANSAS CITY, MO 64111 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 6.86% |
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 | 690 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 700 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 1,010 | $6.2M |
| Dental | AETNA LIFE INSURANCE CO. | 1,010 | $6.2M |
| Vision | AETNA LIFE INSURANCE CO. | 1,010 | $6.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 497 | $85K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 170 | $102K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 1,010 | $6.2M |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 497 | $339K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,010 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.