| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT D MORONI3 | 2968 BURNT HOUSE HILL RD DOYLESTOWN, PA 18902 | SUN LIFE ASSURANCE COMPANY OF CANADA | $42K | — | $42K | 0.73% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS | 1140 AVE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $119K | — | $119K | 4.96% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA ST STE 400 SAN FRANCISCO, CA 94111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $7K | $7K | 0.31% |
| ROBERT D MORONI3 | 2968 BURNT HOUSE HILL RD DOYLESTOWN, PA 18902 | SUN LIFE ASSURANCE COMPANY OF CANADA | $43K | — | $43K | 6.08% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1501 REEDSDALE ST SUITE 3005 PITTSBURGH, PA 15233 | SUN LIFE ASSURANCE COMPANY OF CANADA | $41K | — | $41K | 5.84% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 945240668 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 5.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | 9700 HEALTH CARE LN MINNETONKA, MN 55343 | $2.4M |
| EDGEWOOD PARTNERS INSURANCE CENTER EIN 94-3195221 BROKER | Other commissions Service code 55 | PO BOX 5668 CONCORD, CA 945240668 | $165K |
| SUN LIFE ASSURANCE COMPANY OF CANAD EIN 38-1082080 NONE | Insurance services Service code 23 | ONE SUN LIFE EXECUTIVE PARK 96 WORCESTER STREET WELLESLEY HILLS, MA 024815699 | $87K |
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 | 5,716 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,716 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | UNITED STATES FIRE INSURANCE COMPANY | 3,160 | $4.6M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,901 | $3.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 6,454 | $245K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 5,024 | $5.7M |
| Short-term disability(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 5,024 | $5.9M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 5,024 | $5.7M |
| Prescription drug | MVP HEALTH CARE | 43 | $521K |
| Stop-loss / reinsurancereinsurance | UNITED STATES FIRE INSURANCE COMPANY | 3,160 | $3.1M |
| Other(10 contracts, 5 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 5,024 | $8.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,454 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.