| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD DULUTH, GA 300969022 | PRINCIPAL LIFE INSURANCE COMPANY | $25K | — | $25K | 7.27% |
| PARELIUS INSURANCE SERVICES3 Filed as: PARELIUS TRANSITION, INC. | 2051 JUNCTION AVENUE SUITE 205 SAN JOSE, CA 951312118 | PRINCIPAL LIFE INSURANCE COMPANY | $19K | $3K | $22K | 6.41% |
| BENEFITS MATCHMAKING LLC3 Filed as: BENEFITS MATCHMAKING, LLC | DBA SUVAUN 100 OTTAWA AVE SW GRAND RAPIDS, MI 495035087 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 2.17% |
| GA SOLUTIONS LLC3 | 311 CLOCK TOWER CMNS BREWSTER, NY 105094059 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 1.98% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 495011788 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.50% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA INC | DBA PARELIUS INSURANCE 2051 JUNCTION AVE STE 205 SAN JOSE, CA 951312118 | PRINCIPAL LIFE INSURANCE COMPANY | $28 | — | $28 | 0.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94520 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $5K | $14K | 11.27% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FINA | 6200 CANOGA AVE STE 300 WOODLAND HILLS, CA 913672450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $5K | $11K | 9.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94520 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 14.81% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FINA | 6200 CANOGA AVE STE 300 WOODLAND HILLS, CA 913672450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $3K | 9.00% |
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 | 280 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 531 | $350K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 531 | $350K |
| Life insurance(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 531 | $507K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 531 | $475K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 531 | $475K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 280 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 531 | — |
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.