| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | ONE STATE STREET 9TH FLOOR NEW YORK, NY 10004 | DELTA DENTAL INSURANCE COMPANY | $228K | — | $228K | 4.65% |
| EPIC3 | P.O. BOX 6180 CAROL STREAM, IL 601976180 | SECURIAN LIFE INSURANCE COMPANY | $106K | — | $106K | 3.23% |
| STEATH PARTNER GROUP3 | 18940 N PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | LINCOLN LIFE ASSURANCE COMPANY | $72K | — | $72K | 4.55% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | LINCOLN LIFE ASSURANCE COMPANY | — | $8K | $8K | 0.48% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1350 DRESDEN DR NE ATLANTA, GA 30319 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $244K | $26K | $270K | 42.59% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 S RIVERSIDE PLAZA SUITE 1100 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 2.58% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1350 DRESDEN DRIVE NE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $392K | $35K | $427K | 72.63% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 S RIVERSIDE PLAZA SUITE 1100 CHICAGO, IL 60606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23K | — | $23K | 3.85% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | STE 400 200 GLENNRIDGE PT PKWY ATLANTA, GA 30342 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 1.44% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 200 GLENRIDGE PT PKWY STE 400 ATLANTA, GA 30342 | UNUM INSURANCE COMPANY | $72K | $4K | $75K | 43.11% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 200 GLENRIDGE PT PKWY STE 400 ATLANTA, GA 30342 | UNUM INSURANCE COMPANY | $774 | $39 | $813 | 1.51% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1350 DRESDEN DRIVE NE ATLANTA, GA 30319 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 59.81% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 RIVERSIDE PLAZA SUITE 1100 CHICAGO, IL 60604 | FIRST UNUM LIFE INSURANCE COMPANY | $152 | — | $152 | 3.42% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | LINCOLN LIFE ASSURANCE COMPANY | — | $40 | $40 | 4.71% |
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 | 11,061 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 63 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 11,124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 485 | $4.0M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 14,268 | $4.9M |
| Vision | EYEMED VISION CARE | 12,374 | $729K |
| Life insurance(3 contracts, 3 carriers) | SECURIAN LIFE INSURANCE COMPANY | 11,126 | $3.9M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY | 4 | $849 |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY | 11,557 | $1.6M |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 485 | $4.0M |
| Other(7 contracts, 5 carriers) | SECURIAN LIFE INSURANCE COMPANY | 12,036 | $5.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,268 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.