| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1111 CHESTNUT HILLS PKWY FORT WAYNE, IN 46814 | SYMETRA LIFE INSURANCE COMPANY | $212K | $40K | $252K | 15.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 5909 PEACHTREE DUNWOODY ROAD STE 800 BLDG D ATLANTA, GA 30328 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $107K | — | $107K | 21.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS LLC | PO BOX 71542 CHICAGO, IL 606941542 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 1.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICS INC | 4201 WESTOWN PKWY STE 120 WEST DES MOINES, IA 502666720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 1.13% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 5909 PEACHTREE DUNWOODY ROAD SUITE 800 BLDG D ATLANTA, GA 30328 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21K | — | $21K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.83% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 100 MONTGOMERY ST STE 2000 SAN FRANCISCO, CA 941044348 | METROPOLITAN LIFE INSURANCE COMPANY | — | $43 | $43 | 0.02% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLO PASS RD STE 800 CONCORD, CA 945207924 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | — | $225 | $225 | 0.82% |
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 | 2,178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 560 | $215K |
| Dental(2 contracts, 2 carriers) | HUMANADENTAL INSURANCE COMPANY | 1,545 | $1.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,526 | $214K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 2,178 | $1.6M |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 768 | $496K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 2,178 | $1.6M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 2,178 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,526 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.