| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 14881 QUORUM DR STE 850 DALLAS, TX 75254 | SYMETRA LIFE INSURANCE COMPANY | $161K | — | $161K | 12.35% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 5909 PEACHTREE DUNWOODY ROAD STE 800 BLDG D ATLANTA, GA 30328 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $76K | — | $76K | 15.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS LLC | PO BOX 71542 CHICAGO, IL 606941542 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 1.45% |
| 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 | $7K | — | $7K | 1.40% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA ST STE 400 SAN FRANCISCO, CA 941115402 | METROPOLITAN LIFE INSURANCE COMPANY | — | $52 | $52 | 0.03% |
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 | 1,988 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,995 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HUMANADENTAL INSURANCE COMPANY | 1,365 | $947K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,250 | $193K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 607 | $1.3M |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 658 | $500K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 607 | $1.3M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 658 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,250 | — |
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.