| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET NEW YORK, NY 10014 | AETNA LIFE INSURANCE CO. | $113K | — | $113K | 3.07% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET NEW YORK, NY 10014 | AETNA LIFE INSURANCE COMPANY | $108K | — | $108K | 2.98% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $24K | $24K | 2.70% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF AMERICAS 8TH FL NEW YORK, NY 10036 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $20K | $20K | 2.30% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CTR | 350 HUDSON STREET NEW YORK, NY 10014 | HARTFORD LIFE AND ACCIDENT | $42K | — | $42K | 14.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CTR | PO BOX 102158 PASADENA, CA 911892159 | HARTFORD LIFE AND ACCIDENT | — | -$2K | -$2K | -0.61% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94520 | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | $9K | — | $9K | 3.30% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102160 PASADENA, CA 911892160 | DELTA DENTAL OF NEW YORK | $12K | — | $12K | 5.00% |
| FRENKEL BENEFITS LLC3 Filed as: EPIC - FRENKEL BENEFITS | 1390 WILLOW PASS ROAD STE 800 CONCORD, CA 94520 | SIMNSA | $13K | — | $13K | 7.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET NEW YORK, NY 10014 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.05% |
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 | 352 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | AETNA LIFE INSURANCE CO. | 384 | $8.7M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW YORK | 525 | $430K |
| Vision | AETNA LIFE INSURANCE CO. | 384 | $3.7M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 457 | $297K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 457 | $297K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 126 | $1.2M |
| Other | HARTFORD LIFE AND ACCIDENT | 457 | $297K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 525 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.