| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | $310K | $34K | $344K | 14.51% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN BENEFIT SOLUTIONS INC | 3010 BRIARPARK DR #8000 HOUSTON, TX 770423706 | METROPOLITAN LIFE INSURANCE COMPANY | — | $125K | $125K | 5.28% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 4675 MACARTHUR CT STE 750 NEWPORT BEACH, CA 926608891 | METROPOLITAN LIFE INSURANCE COMPANY | — | $939 | $939 | 0.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NE INC | 200 LIBERTY ST FL 6 - 1 WORLD FINANCIAL CENTER NEW YORK, NY 102810001 | METROPOLITAN LIFE INSURANCE COMPANY | -$1K | -$83 | -$1K | -0.06% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $64K | — | $64K | 9.27% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN BENEFIT SOLUTIONS INC | 3010 BRIARPARK DR STE 800 HOUSTON, TX 77042 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $35K | $35K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVC | PO BOX 101162 PASADENA, CA 91189 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 0.53% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CENTERS | 1140 AVE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $121K | — | $121K | 20.00% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN BENEFIT SOLUTIONS INC | 3010 BRIARPARK DR STE 8000 HOUSTON, TX 77042 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $30K | $30K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVC | PO BOX 101162 PASADENA, CA 91189 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 0.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 19000 MACARTHUR BLVD PENTHOUSE SUITE IRVINE, CA 92612 | AETNA LIFE INSURANCE CO. | $78K | — | $78K | 13.98% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $71K | — | $71K | 15.00% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN BENEFIT SOLUTIONS INC | 3010 BRIARPARK DR STE 8000 HOUSTON, TX 77042 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $24K | $24K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVC | PO BOX 101162 PASADENA, CA 91189 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 0.54% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 911892189 | VISION SERVICE PLAN | $67K | — | $67K | 18.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NE INC | PO BOX 4557 NEW YORK, NY 10249 | VISION SERVICE PLAN | -$23K | — | -$23K | -6.28% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 7.22% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN BENEFIT SOLUTIONS INC | 3010 BRIARPARK DR STE 8000 HOUSTON, TX 77042 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $7K | $7K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SRV | PO BOX 101162 HOUSTON, TX 77042 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $614 | $614 | 0.42% |
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 | 7,218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 5,484 | $2.4M |
| Vision | VISION SERVICE PLAN | 3,165 | $368K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 7,218 | $691K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 643 | $603K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 740 | $473K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,528 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,218 | — |
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.