| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | UNITEDHEALTHCARE INSURANCE COMPANY | $76K | $0 | $76K | 2.05% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 PASADENA, CA 94524 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 0.14% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 0.12% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET NEW YORK, GA 30339 | PRUDENTIAL INSURANCE CONPANY OF AMERICA | $26K | $0 | $26K | 16.57% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | PRUDENTIAL INSURANCE CONPANY OF AMERICA | $10K | $0 | $10K | 6.50% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE CONPANY OF AMERICA | $0 | $61 | $61 | 0.04% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | VISION SERVICE PLAN | $1K | $0 | $1K | 6.66% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $786 | $0 | $786 | 4.16% |
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 | 278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 323 | $3.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 323 | $3.7M |
| Vision | VISION SERVICE PLAN | 130 | $19K |
| Life insurance | PRUDENTIAL INSURANCE CONPANY OF AMERICA | 278 | $157K |
| Short-term disability | PRUDENTIAL INSURANCE CONPANY OF AMERICA | 278 | $157K |
| Long-term disability | PRUDENTIAL INSURANCE CONPANY OF AMERICA | 278 | $157K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 323 | $3.7M |
| Other | PRUDENTIAL INSURANCE CONPANY OF AMERICA | 278 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.