| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CTR. | PO BOX 5668 CONCORD, CA 94524 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $506 | $13K | 8.22% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FIN. SVCS. | 12404 PARK CENTRAL DR., STE. 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $6K | $6K | 3.71% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 2.67% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94520 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $978 | $6K | 8.74% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $2K | $4K | 5.85% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 6200 CANOGA AVE., STE. 300 WOODLAND HILLS, CA 913672450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 3.64% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94520 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $325 | $3K | 13.85% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $729 | $328 | $1K | 5.30% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 6200 CANOGA AVE., STE. 300 WOODLAND HILLS, CA 913672450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $812 | $812 | 4.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS. CO EIN 59-1031071 CARRIER | Other services; Claims processing; Contract Administrator Service code 12 | — | $194K |
| EDGEWOOD PARTNERS INS. CTR BROKER | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 135 MAIN ST. 21ST FL WOODLAND HILLS, CA 91367 | $81K |
| HILB GROUP OF NEW ENGLAND BROKER | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | 2000 CHAPEL VIEW BLVD., STE 240 CRANSTON, RI 02920 | $28K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 284 | $154K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 284 | $154K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $87K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $67K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $67K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.