| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 14881 QUORUM DR STE 950 DALLAS, TX 752547099 | UNITEDHEALTHCARE INSURANCE COMPANY | $33K | — | $33K | 3.86% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 14881 QUORUM DR STE 950 DALLAS, TX 752547099 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | — | $29K | 3.60% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 7.63% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 14881 QUORUM DR DALLAS, TX 75254 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 2.28% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 14.93% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN ST 21ST FL SAN FRANCISCO, CA 94105 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 2.84% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 11.49% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN ST 21ST FL SAN FRANCISCO, CA 94105 | STANDARD INSURANCE COMPANY | — | $803 | $803 | 2.78% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 14.86% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN ST 21ST FL SAN FRANCISCO, CA 94105 | STANDARD INSURANCE COMPANY | — | $676 | $676 | 2.81% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 75.83% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN ST 21ST FL SAN FRANCISCO, CA 94105 | STANDARD INSURANCE COMPANY | — | $622 | $622 | 5.12% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 61 | $1.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 117 | $120K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 117 | $120K |
| Life insurance | STANDARD INSURANCE COMPANY | 117 | $39K |
| Short-term disability | STANDARD INSURANCE COMPANY | 117 | $24K |
| Long-term disability | STANDARD INSURANCE COMPANY | 44 | $29K |
| Other | WORKERS ASSISTANCE PROGRAM, INC | 119 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.