| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3500 LENOX RD STE 1600 ATLANA, GA 30326 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $70K | $5K | $75K | 15.95% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N PIMA ROAD STE 210 SCOTTSDALE, AZ 85255 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | — | $23K | 4.96% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3500 LENOX RD STE 1600 ALTANTA, GA 30326 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $46K | $4K | $50K | 16.26% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 4.96% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3500 LENOX RD STE 1600 ATLANTA, GA 30326 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $45K | $3K | $49K | 16.00% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 4.96% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $16K | — | $16K | 5.42% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $11K | — | $11K | 8.08% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $12K | — | $12K | 9.94% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 200 GLENRIDGE POINT PKWY STE 400 ATLANTA, GA 30342 | RELIASTAR LIFE INSURANCE COMPANY | $13K | — | $13K | 11.03% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3000 EXECUTIVE PKWY STE 325 SAN RAMON, CA 94583 | RELIASTAR LIFE INSURANCE COMPANY | — | $596 | $596 | 0.51% |
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 | 1,048 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,069 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(8 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 292 | $1.7M |
| Vision(8 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 292 | $1.7M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,297 | $472K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,297 | $308K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,297 | $304K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 511 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,297 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.