| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $94K | — | $94K | 15.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET 24TH FLOOR SAN FRANCISCO, CA 94104 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 4.17% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $182 | $182 | 0.03% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD #800 CONCORD, CA 94520 | EYEMED VISION CARE | $4K | — | $4K | 4.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EPIC INSURANCE BROKERS & CONSULTANT EIN 94-3195221 BROKER | Insurance agents and brokers; Insurance services Service code 22 | — | $308K |
| ALLIED BENEFIT SYSTEMS INC EIN 36-3086057 CLAIMS ADMIN | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator Service code 12 | — | $186K |
| AETNA LIFE INSURANCE EIN 06-6033492 PPO | Other fees Service code 99 | — | $150K |
| AMERICAN HEALTH HOLDING INC EIN 31-1368946 UTILIZATION REVIEW | Consulting fees Service code 70 | — | $32K |
| THE PRUDENTIAL INSURANCE COMPANY EIN 22-1211670 THIRD PARTY ADMIN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Plan Administrator; Claims processing Service code 12 | — | $29K |
| MARQUEE HEALTH LLC WELLNESS PROGRAM | Other fees Service code 99 | 223 WEST ERIE ST SUITE 7SW CHICAGO, IL 60654 | $20K |
| CURALINC HEALTH CARE EIN 33-1206383 CLAIMS ADMIN | Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $8K |
| COMPPSYCH | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator Service code 12 | — | $6K |
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 | 674 | 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) | 674 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 1,377 | $80K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 988 | $626K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 988 | $626K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 988 | $626K |
| Stop-loss / reinsurancereinsurance | NORTH AMERICAN SPECIALTY INSURANCE COMPANY | 674 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,377 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.