| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PANORAMA RISK & INSURANCE SOLUTIONS3 | 8753 E BELL RD SUITE 110 SCOTTSDALE, AZ 95260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $104K | — | $104K | 3.96% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 S GRAND AVE STE 4500 LOS ANGELES, CA 90071 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $34K | $864 | $35K | 1.32% |
| PANORAMA RISK & INSURANCE3 | 16030 VENTURA BLVD SUITE 260 ENCINO, CA 91436 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 6.67% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 350 S GRAND AVE STE 4500 LOS ANGELES, CA 90071 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 3.33% |
| PANORAMA RISK & INSURANCE3 | 16030 VENTURA BLVD SUITE 260 ENCINO, CA 91436 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 7.05% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 S GRAND AVE SUITE 4500 LOS ANGELES, CA 90071 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $741 | — | $741 | 2.94% |
| PANORAMA RISK & INSURANCE3 Filed as: PANORAMA RISK & INS SOL, LLC | 8753 E BELL RD SUITE 110 SCOTTSDALE, AZ 95260 | VISION SERVICE PLAN | $1K | — | $1K | 7.46% |
| PANORAMA RISK & INSURANCE3 | 16030 VENTURA BLVD SUITE 260 ENCINO, CA 91436 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 6.18% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 350 S GRAND AVE STE 4500 LOS ANGELES, CA 90071 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $656 | — | $656 | 3.82% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 123 | $2.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 123 | $2.6M |
| Vision | VISION SERVICE PLAN | 102 | $18K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 121 | $25K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 100 | $17K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 123 | $47K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 121 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.