| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE BRKRS AND CONSULT | 135 MAIN STREET 21ST FLOOR SAN FRANCISCO, CA 94105 | HCC LIFE INSURANCE COMPANY | $63K | — | $63K | 17.51% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $6K | $19K | 21.26% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $2K | $7K | 21.40% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $434 | $1K | 21.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EPIC INSURANCE BROKERS AND CONSULT BROKER | Insurance agents and brokers Service code 22 | 135 MAIN STREET 21ST FLOOR SAN FRANCISCO, CA 94105 | $53K |
| ALLIED BENEFIT SYSTEMS INC EIN 36-3086057 TPA | Contract Administrator Service code 13 | — | $33K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 PPO | Contract Administrator Service code 13 | — | $33K |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 186 | $90K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 186 | $33K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 162 | $360K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 186 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.