| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $94K | — | $94K | 7.49% |
| BENEFIT GUARANTY LLC3 | 606 COX STREET SIMPSONVILLE, SC 29681 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $278K | — | $278K | 22.87% |
| SOUTHEAST INS GRP3 | 2340 HARDSCRABBLE RD COLUMBIA, SC 29223 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $35K | — | $35K | 2.89% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CTR (EPIC) | 1390 WILLOW PASS RD #800 CONCORD, CA 94520 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $164K | $9K | $173K | 21.39% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | $28K | — | $28K | 4.99% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD #800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $127K | $63K | $190K | 39.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 5.66% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $34 | — | $34 | 0.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | $13K | — | $13K | 6.37% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD #800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $32K | — | $32K | 26.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD #800 CONCORD, CA 94520 | EYEMED VISION CARE | $3K | — | $3K | 8.30% |
| MAXWELL HEALTH3 Filed as: MAXWELL HEALTH - BOR | 101 TREMONT ST. FL 11 BOSTON, MA 02108 | EYEMED VISION CARE | $679 | — | $679 | 2.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | EYEMED VISION CARE | $595 | — | $595 | 1.76% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD #800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 26.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 21.30% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD #800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | — | $281 | $281 | 1.30% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD DULUTH, GA 30096 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 22.30% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD #800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | — | $241 | $241 | 1.37% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 22.15% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD #800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | — | $217 | $217 | 1.38% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 911892159 | HARTFORD LIFE AND ACCIDENT | $310 | $26 | $336 | 16.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Contract Administrator; Claims processing; Participant communication; Other services; Direct payment from the plan Service code 12 | — | $47K |
| WEST HEALTH ADVOCATE SOLUTIONS INC. EIN 23-3080019 NONE | Plan Administrator Service code 14 | 11808 MIRACLE HILLS DRIVE OMAHA, NE 68154 | $6K |
| CIGNA HEALTH & LIFE INSURANCE COMP | Claims processing; Direct payment from the plan; Contract Administrator; Float revenue; Other services; Named fiduciary; Participant communication; Non-monetary compensation Service code 12 | — | $2K |
| CIGNA | Other services; Participant communication; Direct payment from the plan; Claims processing; Non-monetary compensation; Float revenue; Named fiduciary; Contract Administrator Service code 12 | — | $0 |
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 | 2,177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 2,604 | $14.1M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,656 | $3.3M |
| Vision(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,656 | $942K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 1,633 | $1.5M |
| Short-term disability(6 contracts, 4 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 1,922 | $2.0M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 319 | $267K |
| Prescription drug(3 contracts) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 2,604 | $11.6M |
| Other(8 contracts, 5 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 2,541 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,656 | — |
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.