| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | RICK ROSENTHAL 40 MARCUS DRIVE, 3RD FLOOR MELVILLE, NY 11747 | MERITAIN HEALTH | $98K | — | $98K | 19.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | — | AETNA LIFE INSURANCE CO. | $7K | $0 | $7K | 5.85% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | — | AETNA LIFE INSURANCE CO. | $0 | $3K | $3K | 2.32% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | — | AETNA LIFE INSURANCE CO. | $0 | $657 | $657 | 0.52% |
| INTEGRA PARTNERS, LLC3 | 225 NE MIZNER BLVD SUITE 675 BOCA RATON, FL 33432 | COMPLIANCE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 15.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 225 NE MIZNER BLVD SUITE 675 BOCA RATON, FL 33432 | INTEGRA PARTNERS, LLC | $2K | $0 | $2K | 7.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 225 NE MIZNER BLVD SUITE 675 BOCA RATON, FL 33432 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | $0 | $5K | 24.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 225 NE MIZNER BLVD STE 675 BOCA RATON, FL 33432 | COMPANION LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 225 NE MIZNER BLVD SUITE 675 BOCA RATON, FL 33432 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | $0 | $1K | 14.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 225 NE MIZNER BLVD STE 675 BOCA RATON, FL 33432 | MUTUAL OF OMAHA INSURANCE COMPANY | $586 | $0 | $586 | 15.01% |
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 | 182 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN HEALTH | 188 | $518K |
| Dental | AETNA LIFE INSURANCE CO. | 326 | $126K |
| Vision | AETNA LIFE INSURANCE CO. | 326 | $126K |
| Life insurance(2 contracts, 2 carriers) | COMPLIANCE LIFE INSURANCE COMPANY | 302 | $59K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 95 | $20K |
| Other(3 contracts, 2 carriers) | INTEGRA PARTNERS, LLC | 302 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.