| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST 4TH FLOOR NEW YORK, NY 10014 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $171K | — | $171K | 4.71% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET 24TH FLOOR SAN FRANCISCO, CA 94104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $14K | $14K | 0.39% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | DELTA DENTAL OF NEW JERSEY, INC. | $13K | — | $13K | 0.75% |
| EDGEWOOD PARNTERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 911892189 | VISION SERVICE PLAN | $5K | — | $5K | 1.82% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | ALPHA DENTAL PROGRAMS, INC. | $2K | — | $2K | 1.49% |
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 | 2,972 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,972 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 3,502 | $1.9M |
| Vision | VISION SERVICE PLAN | 1,992 | $267K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,973 | $3.6M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,973 | $3.6M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,973 | $3.6M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,973 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,502 | — |
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."
No prospect flags tripped on this filing.