| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $115K | $19K | $134K | 8.72% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $63K | $23K | $85K | 11.27% |
| DOEREN MAYHEW INSURANCE GROUP3 Filed as: DOEREN MAYHEW INSURANCE GROUP LLC | 305 W BIG BEAVER ROAD SUITE 102 TROY, MI 48084 | VISION SERVICE PLAN | $13K | — | $13K | 4.61% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $20K | $7K | $27K | 10.03% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST 4TH FLOOR NEW YORK, NY 10014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $6K | 9.91% |
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 | 3,644 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,644 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,293 | $272K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,644 | $758K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,568 | $1.5M |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,956 | $323K |
| Other | LIFEWORKS (US) LTD. | 146 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,644 | — |
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.