| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 9.20% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 19000 MACARTHUR BOULEVARD IRVINE, CA 92612 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $437 | $437 | 0.55% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 15.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN STREET 21ST FLOOR SAN FRANCISCO, CA 94105 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $502 | — | $502 | 0.86% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $57 | $57 | 0.10% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | VISION SERVICE PLAN | $1K | — | $1K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESS | Claims processing Service code 12 | — | $129K |
| THE MCCART GROUP INC EIN 58-1981250 BROKER | Other commissions Service code 55 | — | $40K |
| THE JAMES B OSWALD CO EIN 34-0445620 BROKER | Other commissions Service code 55 | — | $15K |
| COMPPSYCH | Contract Administrator; Plan Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $1K |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONWIDE LIFE INSURANCE COMPANY | 126 | $793K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 137 | $80K |
| Vision | VISION SERVICE PLAN | 84 | $12K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 160 | $59K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 160 | $59K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 126 | $793K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.