| 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 | $173K | — | $173K | 3.09% |
| 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 | $112K | — | $112K | 4.96% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CTR (EPIC) | 40 MARCUS DR 3RD FLR MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $7K | $7K | 0.32% |
| ROBERT D MORONI3 | 2968 BURNT HOUSE HILL RD DOYLESTOWN, PA 18902 | SUN LIFE ASSURANCE COMPANY OF CANADA | $154K | — | $154K | 23.70% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR 3RD FLR MELVILLE, NY 11747 | MVP HEALTH CARE | $24K | — | $24K | 5.47% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO EASTERN STATES INC | 333 W 34TH ST NEW YORK, NY 10001 | SUN LIFE ASSURANCE COMPANY OF CANADA | $141 | — | $141 | 0.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUN LIFE ASSURANCE COMP. OF CANAD EIN 38-1082080 NONE | Insurance services Service code 23 | ONE SUN LIFE EXECUTIVE PARK 96 WORCESTER STREET WELLESLEY HILLS, MA 024815699 | $84K |
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 | 5,559 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,559 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | US FIRE INSURANCE COMPANY | 3,033 | $3.2M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,754 | $2.3M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,860 | $5.6M |
| Short-term disability(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,860 | $5.9M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,860 | $5.6M |
| Prescription drug | MVP HEALTH CARE | 48 | $442K |
| Stop-loss / reinsurancereinsurance | US FIRE INSURANCE COMPANY | 3,033 | $2.7M |
| Other(9 contracts, 5 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,860 | $7.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,860 | — |
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.