| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3000 EXECUTIVE PKWY SUITE 325 SAN RAMON, CA 94583 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $572K | — | $572K | 15.00% |
| AXA ASSISTANCE, USA3 | 122 SOUTH MICHIGAN AVENUE SUITE, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.04% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. DBA INTEGRO | INTEGRO INSURANCE BROKERS PO BOX 6180 CAROL STREAM, IL 60197 | AETNA HEALTH INC. | $39K | — | $39K | 4.56% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC DBA | INTEGRO INSURANCE BROKERS PO BOX 743376 LOS ANGELES, CA 90074 | AETNA HEALTH INC. | $4K | — | $4K | 0.47% |
| INTEGRO INSURANCE BROKERS3 | P.O. BOX 6180 CAROL STREAM, IL 60197 | AETNA HEALTH, INC. | $14K | — | $14K | 2.49% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST STE 2400 SAN FRANCISCO, CA 94104 | AETNA HEALTH, INC. | $10K | — | $10K | 1.83% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. DBA | INTEGRO INSURANCE BROKERS PO BOX 6180 CAROL STREAM, IL 60197 | AETNA LIFE INSURANCE CO. | $25K | — | $25K | 4.62% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. DBA | INTEGRO INSURANCE BROKERS PO BOX 743376 LOS ANGELES, CA 90074 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 0.37% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO INSURANCE GROUP | P.O. BOX 6180 CAROL STREAM, IL 60197 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $41K | — | $41K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1350 DRESDEN DR NE ATLANTA, GA 30319 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $188K | $17K | $205K | 62.07% |
| NTEGRO INSURANCE BROKERS3 | P.O. BOX 6180 CAROL STREAM, IL 60197 | AETNA LIFE INSURANCE CO. | $8K | — | $8K | 2.85% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST STE 2400 SAN FRANCISCO, CA 94104 | AETNA LIFE INSURANCE CO. | $6K | — | $6K | 2.06% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 3.37% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1350 DRESDEN DR NE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $3K | $3K | 2.14% |
| WORKPLACE SOLUTIONS, INC.3 | 120-A GILLS CREEK PKWY COLUMBIA, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $854 | — | $854 | 0.59% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 6830 COCHRAN RD SOLON, OH 44139 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $101 | $101 | 0.07% |
| BOUDREAUX, BEAU, DAVID3 | 120 GILLS CRK PKWY COLUMBIA, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 0.07% |
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 | 3,768 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 146 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,914 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | AETNA HEALTH, INC. | 237 | $1.7M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 3,547 | $414K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,181 | $4.0M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,181 | $3.8M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,181 | $3.8M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,491 | $330K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,181 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.