| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 STATE STREET PLAZA 9TH FLOOR NEW YORK, NY 10004 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $63K | — | $63K | 15.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 6180 CAROL STREAM, IL 60187 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $63K | — | $63K | 15.00% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N PIMA ROAD STE 210 SCOTTSDALE, AZ 85255 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | — | $21K | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 1.65% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 STATE STREET PLAZA 9TH FLOOR NEW YORK, NY 10004 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $42K | — | $42K | 14.98% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 6180 CAROL STREAM, IL 60197 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $42K | — | $42K | 14.98% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 4.99% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 2.06% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 STATE STREET PLAZA 9TH FLOOR NEW YORK, NY 10004 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32K | — | $32K | 15.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 6180 CAROL STREAM, IL 60197 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32K | — | $32K | 15.01% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 2.09% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 200 GLENRIDGE POINT PKWY STE 400 ATLANTA, GA 30342 | RELIASTAR LIFE INSURANCE COMPANY | $27K | — | $27K | 20.24% |
| AON CONSULTING INC3 Filed as: BSWIFT | P.O. BOX 860470 MINNEAPOLIS, MN 55486 | RELIASTAR LIFE INSURANCE COMPANY | — | $5K | $5K | 4.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3000 EXECUTIVE PKWY STE 325 SAN RAMON, CA 94583 | RELIASTAR LIFE INSURANCE COMPANY | — | $3K | $3K | 2.11% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 115 N EL MOLINA AVE PASADENA, CA 91101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 9.20% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 115 N EL MOLINA AVE PASADENA, CA 91101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $18K | — | $18K | 44.24% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 115 N EL MOLINA AVE PASADENA, CA 91101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | — | $8K | 32.58% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 115 N EL MOLINA AVE PASADENA, CA 91101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | — | $5K | 36.83% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 115 N EL MOLINA AVE PASADENA, CA 91101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 38.74% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 115 N EL MOLINA AVE PASADENA, CA 91101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 37.26% |
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 | 1,164 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(6 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 697 | $137K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,164 | $420K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,164 | $280K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,164 | $211K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 492 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,164 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.