| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFRONIA ST STE 400 SAN FRANCISCO, CA 941115402 | METROPOLITAN LIFE INSURANCE COMPANY | $81K | $52 | $81K | 3.72% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARNTERS INSURANCE CARRIER | 1390 WILLOW PASS RD STE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | — | $61K | $61K | 2.81% |
| EPIC3 | 3333 PIEDMONT RD NE SUITE 1400 ATLANTA, GA 30305 | MINNESOTA LIFE INSURANCE COMPANY | $83K | — | $83K | 5.00% |
| EPIC3 | 3333 PIEDMONT RD NE SUITE 1400 ATLANTA, GA 30305 | MINNESOTA LIFE INSURANCE COMPANY | $76K | — | $76K | 5.00% |
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 | 5,619 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 301 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,920 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 9,957 | $2.7M |
| Vision | VISION SERVICE PLAN | 5,353 | $877K |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 5,936 | $3.2M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 5,093 | $2.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,093 | $2.2M |
| Other | ARAG INSURANCE COMPANY | 1,054 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,957 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.