| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD STE 800 CONCORD, CA 95420 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $51K | $0 | $51K | 10.63% |
| WISTED, DANIEL, J3 Filed as: WISTED, DANIEL J | 3440 PRESTON RIDGE RD, STE 325 ALPHARETTA, GA 30005 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $15K | $0 | $15K | 10.74% |
| BOOK MICHAEL A3 Filed as: BOOK, MICHAEL A | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $4K | $7K | 5.00% |
| WALKER, MARC A3 | 11175 CICERO DR STE 100 ALPHARETTA, GA 30022 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.43% |
| MCQUAID, WILLIAM J3 | 1050 CROWN POINTE PKWY STE 1800 ATLANTA, GA 303387704 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.65% |
| MAUDE, HAROLD E JR.3 | 1 BELMONT AVE STE 1100 BALA CYNWYD, PA 190041614 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $486 | $0 | $486 | 0.34% |
| FISHMAN HARRIS S3 Filed as: FISHMAN, HARRIS S | STE 700 1000 CORPORATE DR FORT LAUDERDALE, FL 333343638 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $121 | $0 | $121 | 0.08% |
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 | 1,352 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,395 | $620K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,395 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.