| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $161K | $3K | $164K | 3.55% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD RANCHO CORDOVA, CA 95670 | DELTA DENTAL OF MICHIGAN | $14K | — | $14K | 3.99% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O.BOX 102159 PASADENA, CA 91189 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $9K | 9.66% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O.BOX 102159 PASADENA, CA 91189 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $11K | 16.99% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O.BOX 102159 PASADENA, CA 91189 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $135 | $7K | 14.38% |
| STEVEN RAY GRIFFIN3 Filed as: STEVEN GRIFFIN | 2000 MORRIS AVE., SUITE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $404 | — | $404 | 0.82% |
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 | 405 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 877 | $4.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 940 | $353K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 877 | $4.6M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 405 | $160K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 405 | $97K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 405 | $97K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 877 | $4.6M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 405 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 940 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.