| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF AMERICAS 8TH FLOOR NEW YORK, NY 10036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $21K | $36K | 2.82% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF AMERICAS 8TH FLOOR NEW YORK, NY 10036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $7K | 3.75% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF AMERICAS 8TH FLOOR NEW YORK, NY 10036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $3K | 3.75% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 102159 PASADENA, CA 91189 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | $802 | $3K | 6.37% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 499 WASHINGTON BLVD FLOOR 8, SUITE 810 JERSEY CITY, NJ 07310 | ZURICH AMERICAN INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| MMG AGENCY INC.3 Filed as: MMG AGENCY INC | 1145 FOREST AVENUE STATEN ISLAND, NY 10310 | ZURICH AMERICAN INSURANCE COMPANY | — | $2K | $2K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 499 WASHINGTON BLVD FLOOR 8, SUITE 810 JERSEY CITY, NJ 07310 | ZURICH AMERICAN INSURANCE COMPANY | $246 | — | $246 | 15.02% |
| MMG AGENCY INC.3 Filed as: MMG AGENCY INC | 1145 FOREST AVENUE STATEN ISLAND, NY 10310 | ZURICH AMERICAN INSURANCE COMPANY | — | $246 | $246 | 15.02% |
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 | 686 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 686 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 669 | $439K |
| Dental | AETNA LIFE INSURANCE CO. | 669 | $439K |
| Vision | EYEMED VISION CARE | 827 | $53K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 555 | $254K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 686 | $1.3M |
| Other(3 contracts, 2 carriers) | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 507 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 827 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.