| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | — | $27K | 2.22% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 372043709 | METROPOLITAN LIFE INSURANCE COMPANY | $164K | $2K | $166K | 47.66% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 2405 SATELLITE BLVD STE 200 DULUTH, GA 300969022 | METROPOLITAN LIFE INSURANCE COMPANY | $55K | — | $55K | 15.69% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | PO BOX 511398 LOS ANGELES, CA 900517953 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.45% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 372043709 | METROPOLITAN LIFE INSURANCE COMPANY | $150K | $3K | $154K | 47.90% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 2405 SATELLITE BLVD STE 200 DULUTH, GA 300969022 | METROPOLITAN LIFE INSURANCE COMPANY | $50K | — | $50K | 15.63% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | PO BOX 511398 LOS ANGELES, CA 900517953 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 SERVICE PROVIDER | Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Claims processing; Contract Administrator Service code 12 | — | $1.3M |
| DELTA DENTAL OF OHIO EIN 31-0685339 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $82K |
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 | 3,937 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,937 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,384 | $670K |
| Vision | VISION SERVICE PLAN | 2,409 | $334K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,937 | $1.2M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,937 | $1.2M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,937 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,937 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.