| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER7 | 350 HUDSON ST 4TH FL NEW YORK, NY 10014 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $17K | $23K | 1.82% |
| WILLIS TOWERS WATSON US LLC7 | PO BOX 28852 NEW YORK, NY 10087 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $727 | $727 | 0.06% |
| EDGEWOOD PARTNERS INSURANCE CENTER7 | 350 HUDSON ST 4TH FL NEW YORK, NY 10014 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $9K | $11K | $20K | 1.73% |
| CETERA ADVISOR NETWORKS LLC3 | 200 N SEPULVEDA BLVD STE 12000 EL SEGUNDO, CA 902455605 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | — | $37K | 3.95% |
| LPL FINANCIAL CORP3 | 4707 EXECUTIVE DR ATTN CLIENT COMPENSATION DEPARTMENT SAN DIEGO, CA 921213091 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.34% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON ST FL 4 NEW YORK, NY 100144500 | METROPOLITAN LIFE INSURANCE COMPANY | $30 | $132 | $162 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $57K | — | $57K | 6.74% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST 24TH FL SAN FRANCISCO, CA 94104 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $53K | — | $53K | 6.22% |
| IMG5 | 2960 NORTH MERIDIAN ST INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $662 | $662 | 0.08% |
| EDGEWOOD PARTNERS INSURANCE CENTER7 | 350 HUDSON ST 4TH FL NEW YORK, NY 10014 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $6K | $12K | 2.27% |
| WILLIS TOWERS WATSON US LLC7 Filed as: WILLIS TOWERS WATSON US L | PO BOX 28852 NEW YORK, NY 10087 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $491 | $491 | 0.09% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD STE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $6K | $14K | 4.36% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.50% |
| BENEFITFOCUS.COM, INC.3 Filed as: BENEFITFOCUS.COM INC | DEPT. 3383 PO BOX 123383 DALLAS, TX 75312 | METLIFE LEGAL PLANS | $0 | $287 | $287 | 0.12% |
| THOMAS M FALVEY | 1146 BRADFORD DRIVE POINT PLEASANT, NJ 08742 | GENWORTH LIFE INSURANCE COMPANY | $7K | — | $7K | 5.02% |
| BRUCE R PETRIE | 2626 REDINGTON ROAD HELLERTOWN, PA 18055 | GENWORTH LIFE INSURANCE COMPANY | $6K | — | $6K | 4.87% |
| B & M BROKERAGE SERVICES LLC | 29 UNION AVE 1ST FLOOR MANASQUAN, NJ 08736 | GENWORTH LIFE INSURANCE COMPANY | $6K | — | $6K | 4.87% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $10K | — | $10K | 25.00% |
| THOMAS M FALVEY | 1146 BRADFORD DR. POINT PLEASANT, NJ 08742 | GENWORTH LIFE INSURANCE COMPANY | $245 | — | $245 | 5.09% |
| B & M BROKERAGE SERVICES LLC | 29 UNION AVE 1ST FLOOR MANASQUAN, NJ 08736 | GENWORTH LIFE INSURANCE COMPANY | $238 | — | $238 | 4.95% |
| BRUCE R PETRIE | 2626 REDINGTON RD HELLERTOWN, PA 18055 | GENWORTH LIFE INSURANCE COMPANY | $238 | — | $238 | 4.95% |
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 | 3,478 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 127 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 101 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,706 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 20 | $608K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 20 | $608K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 20 | $608K |
| Life insurance(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,459 | $1.9M |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,402 | $1.2M |
| Other(10 contracts, 9 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 3,459 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,459 | — |
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."
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.