| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | — | $22K | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $23K | $2K | $24K | 11.59% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $4K | $18K | 20.02% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $3K | $12K | 20.40% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | EYEMED VISION CARE | $4K | — | $4K | 12.58% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P O BOX 511398 LOS ANGELES, CA 90051 | EYEMED VISION CARE | $350 | — | $350 | 1.19% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $539 | $2K | 20.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $226K |
| EDGEWOOD PARTNERS INSURANCE CENTER BROKER | Other commissions Service code 55 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | $0 |
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 | 239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 377 | $209K |
| Vision | EYEMED VISION CARE | 593 | $29K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 239 | $88K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 239 | $60K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 524 | $432K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 239 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 593 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.