| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $64K | — | $64K | 11.40% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 0.67% |
| A2 HOLDINGS, LLC3 Filed as: A2 BENEFITS | 887 W MARIETTA ST NW N108 ATLANTA, GA 30318 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $183 | — | $183 | 0.03% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 734004 CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANE COMPANY AND AFFILIATES | $41K | — | $41K | 9.90% |
| OAKBRIDGE INSURANCE AGENCY LLC3 | PO BOX 1049 LAGRANGE, GA 30241 | CIGNA HEALTH AND LIFE INSURANE COMPANY AND AFFILIATES | $4 | — | $4 | 0.00% |
No Schedule C service providers reported on this filing.
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 | 600 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 600 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANE COMPANY AND AFFILIATES | 862 | $416K |
| Dental | CIGNA HEALTH AND LIFE INSURANE COMPANY AND AFFILIATES | 862 | $416K |
| Vision | CIGNA HEALTH AND LIFE INSURANE COMPANY AND AFFILIATES | 862 | $416K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 704 | $565K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 704 | $565K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 704 | $565K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANE COMPANY AND AFFILIATES | 862 | $416K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 704 | $565K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 862 | — |
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.