| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT GUARANTY LLC3 | 606 COX STREET SIMPSONVILLE, SC 29681 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $324K | — | $324K | 22.88% |
| SOUTHEAST INS GRP3 | 2340 HARDSCRABBLE RD COLUMBIA, SC 29223 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $41K | — | $41K | 2.87% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $59K | — | $59K | 4.48% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INC CTR (EPIC) | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $44K | — | $44K | 3.36% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CTR (EPIC) | P.O. BOX 734004 CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $199K | $6K | $206K | 20.78% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD FL 25 HOUSTON, TX 770565737 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $55K | $55K | 6.39% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 5.91% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD STE 200 DULUTH, GA 300969022 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | — | $32K | 20.33% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 4.07% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD #800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 2.58% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 2405 SATELLITE BLVD DULUTH, GA 30096 | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | $11K | — | $11K | 7.75% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $30K | $15K | $44K | 39.50% |
| 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 | $5K | — | $5K | 4.70% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 19.75% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD #800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | — | $447 | $447 | 1.24% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD #800 CONCORD, CA 94520 | EYEMED VISION CARE | $4K | — | $4K | 10.73% |
| MAXWELL HEALTH3 Filed as: MAXWELL HEALTH - BOR | 101 TREMONT ST. FL 11 BOSTON, MA 02108 | EYEMED VISION CARE | $771 | — | $771 | 2.15% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 26.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 20.39% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | — | $362 | $362 | 1.53% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 20.23% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD #800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | — | $149 | $149 | 0.63% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 26.49% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102158 DULUTH, GA 30096 | HARTFORD LIFE AND ACCIDENT | $310 | $26 | $336 | 16.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Claims processing; Other services; Participant communication; Direct payment from the plan; Contract Administrator Service code 12 | — | $60K |
| WEST HEALTH ADVOCATE SOLUTIONS INC. EIN 23-3080019 NONE | Plan Administrator Service code 14 | 3043 WALTON ROAD PLYMOUTH MEETING, PA 19642 | $6K |
| CIGNA | Named fiduciary; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Participant communication; Other services; Float revenue; Claims processing 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 | 1,890 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,894 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 5 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 2,274 | $17.4M |
| Dental(3 contracts, 3 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 2,526 | $3.7M |
| Vision(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,526 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 1,603 | $1.7M |
| Short-term disability(6 contracts, 4 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 2,271 | $1.8M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 392 | $239K |
| Prescription drug(3 contracts) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 2,165 | $13.5M |
| Other(8 contracts, 5 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 2,815 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,815 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.