| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT GUARANTY LLC3 | 606 COX STREET SIMPSONVILLE, SC 29681 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $254K | — | $254K | 22.88% |
| INSGROUP INC3 Filed as: SOUTHEAST INS GROUP - BIC | 2340 HARDSCRABBLE RD COLUMBIA, SC 29223 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $32K | — | $32K | 2.86% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD FL 25 HOUSTON, TX 770565737 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $58K | $58K | 5.26% |
| 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 | $146K | — | $146K | 19.93% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $86K | $51K | $137K | 30.59% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $16K | — | $16K | 4.97% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | PO BOX 734004 CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $54K | — | $54K | 25.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | $7K | — | $7K | 4.89% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER (EPIC) | P.O. BOX 734004 CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $31K | — | $31K | 25.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INC CTR (EPIC) | PO BOX 734004 CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | SUN LIFE ASSURANCE COMPANY OF CANADA | $29K | $6K | $35K | 31.63% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | — | $22K | 20.58% |
| 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 | $3K | — | $3K | 5.16% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD #800 CONCORD, CA 94520 | EYEMED VISION CARE | $6K | — | $6K | 15.19% |
| MAXWELL HEALTH3 Filed as: MAXWELL HEALTH - BOR | 101 TREMONT ST. FL 11 BOSTON, MA 02108 | EYEMED VISION CARE | $127 | — | $127 | 0.35% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 20.61% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 7.84% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $270 | — | $270 | 7.19% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CTR | PO BOX 102158 DULUTH, GA 90096 | HARTFORD LIFE AND ACCIDENT | $311 | — | $311 | 15.02% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | $685 | — | $685 | 52.69% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD #800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | $566 | — | $566 | 69.19% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | $640 | — | $640 | 719.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $170K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Claims processing; Float revenue; Other services; Participant communication; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Named fiduciary Service code 12 | — | $40K |
| HEALTH ADVOCATE SOLUTIONS, INC. EIN 23-3080019 NONE | Contract Administrator Service code 13 | 3043 WALTON ROAD PLYMOUTH MEETING, PA 19642 | $7K |
| CIGNA | Named fiduciary; Trustee (individual); Direct payment from the plan; Contract Administrator; Non-monetary compensation; Claims processing; Float revenue; Other services; Participant communication 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 | 1,460 | 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) | 1,461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 7 carriers) | AETNA LIFE INSURANCE CO. | 2,425 | $13.1M |
| Dental(4 contracts, 4 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 1,899 | $2.0M |
| Vision(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,899 | $864K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 1,655 | $1.1M |
| Short-term disability(3 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 1,655 | $1.6M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 227 | $21K |
| Prescription drug(4 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 57 | $570K |
| Other(8 contracts, 5 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 2,090 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,425 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.