| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | FIRST UNUM LIFE INSURANCE COMPANY | — | $4K | $4K | 3.54% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | EB COMMISSION PO BOX 896620 CHARLOTTE, NC 282896620 | FIRST UNUM LIFE INSURANCE COMPANY | — | -$448 | -$448 | -0.44% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | PROVIDENT LIFE AND CAUSALTY INSURANCE COMPANY | — | $4K | $4K | 4.55% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | EB COMMISSION PO BOX 896620 CHARLOTTE, NC 282896620 | PROVIDENT LIFE AND CAUSALTY INSURANCE COMPANY | — | -$543 | -$543 | -0.69% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | STARMOUNT LIFE INSURANCE COMPANY | — | $2K | $2K | 4.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | FIRST UNUM LIFE INSURANCE COMPANY | — | $2K | $2K | 3.42% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | EB COMMISSIONS PO BOX 896620 CHARLOTTE, NC 282896620 | FIRST UNUM LIFE INSURANCE COMPANY | — | -$186 | -$186 | -0.40% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | FIRST UNUM LIFE INSURANCE COMPANY | — | $475 | $475 | 3.10% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | FIRST UNUM LIFE INSURANCE COMPANY | — | $401 | $401 | 3.11% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | EB COMMISSIONS PO BOX 89662 CHARLOTTE, NC 282896620 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $380 | $380 | 3.80% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $72 | $72 | 0.72% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | EB COMMISSIONS PO BOX 896620 CHARLOTTE, NC 282896620 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $331 | $331 | 3.57% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $79 | $79 | 0.85% |
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 | 386 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 386 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | PROVIDENT LIFE AND CAUSALTY INSURANCE COMPANY | 226 | $128K |
| Vision(2 contracts, 2 carriers) | PROVIDENT LIFE AND CAUSALTY INSURANCE COMPANY | 226 | $128K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 129 | $59K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 109 | $116K |
| Long-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 109 | $116K |
| Other(4 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 129 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.