| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | — | $78K | $78K | 4.04% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3333 PIEDMONT RD NE STE 1400 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 0.48% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | — | $27K | $27K | 3.94% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $67K | — | $67K | 15.00% |
| EPIC3 | 5909 PEACHTREE DUNWOODY RD STE 800 ATLANTA, GA 30328 | FEDERAL INSURANCE COMPANY | $67K | — | $67K | 15.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5682 CAROL STREAM, IL 601975682 | METLIFE LEGAL PLANS | $10K | — | $10K | 10.08% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 511398 LOS ANGELES, CA 90051 | METLIFE LEGAL PLANS | — | $2K | $2K | 1.96% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 9.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 5909 PEACHTREE DUNWOODY RD STE 800 ATLANTA, GA 30328 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53 | — | $53 | 0.26% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| INTEGRO INSURANCE BROKERS3 | 5909 PEACHTREE DUNWOODY RD STE 800 ATLANTA, GA 30328 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3333 PIEDMONT RD NE STE 1400 ATLANTA, GA 30305 | CIGNA INSURANCE CO OF NY/NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $29 | $29 | 0.71% |
| DOMINIUM BENEFITS, LLC3 | 3500 LENOX ROAD, SUITE 1600 ATLANTA, GA 30326 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 12.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 | Claims processing; Contract Administrator Service code 12 | — | $106K |
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 | 4,253 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 215 | $21K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 878 | $543K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 9,151 | $2.6M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,177 | $952K |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,151 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,151 | — |
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.