| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 14881 QUORUM DRIVE SUITE 850 DALLAS, TX 75254 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | $61K | $70K | 3.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, MCGRIFF | LOCKBOX 896620 5130 PARKWAY PLAZA BLVD. CHARLOTTE, NC 77043 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $27K | $31K | 1.66% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 11.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF A MARSH & MCLENNAN AGENCY | 10100 KATY FREEWAY HOUSTON, TX 77043 | LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.68% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF AMERICA | — | $333 | $333 | 0.94% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 11.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF A MARSH & MCLENNAN AGENCY L | 10100 KATY FREEWAY HOUSTON, TX 77043 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 3.97% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $317 | $317 | 0.92% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 18.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF A MARSH & MCLENNAN AGENCY L | 10100 KATY FREEWAY HOUSTON, TX 77043 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 6.52% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $156 | $156 | 0.92% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD #800 CONCORD, CA 94520 | EYEMED VISION CARE | $760 | — | $760 | 8.54% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | EYEMED VISION CARE | $215 | — | $215 | 2.42% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $674 | — | $674 | 11.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF A MARSH & MCLENNAN AGENCY | 10100 KATY FREEWAY HOUSTON, TX 77043 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $242 | — | $242 | 3.96% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $56 | $56 | 0.92% |
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 | 103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 103 | $1.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 103 | $1.9M |
| Vision | EYEMED VISION CARE | 238 | $9K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $34K |
| Short-term disability | LIFE INSURANCE COMPANY OF AMERICA | 0 | $35K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $17K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.