| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR FL 3 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | — | $19K | 2.01% |
| RISK STRATEGIES COMPANY3 Filed as: PRIME RISK PARTNERS INS AGENCY LLC | 144 GOULD ST STE 100 NEEDHAM HGTS, MA 02494 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 1.60% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $811 | $3K | 4.72% |
| RISK STRATEGIES COMPANY3 Filed as: PRIME RISK PARTNERS INSURANCE LLC | 144 GOULD ST STE 100 NEEDHAM, MA 024942317 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 9.54% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 144 GOULD ST SUITE 100 NEEDHAM, MA 02494 | PRINCIPAL LIFE INSURANCE COMPANY | $786 | — | $786 | 1.77% |
| ROBLIN INSURANCE AGENCY3 | 144 GOULD STREET NEEDHAM, MA 02494 | EYEMED VISION CARE | $542 | — | $542 | 5.49% |
| EPIC3 Filed as: EPIC - ROBLIN INSURANCE | 144 GOULD ST SUITE 100 NEEDHAM, MA 02494 | EYEMED VISION CARE | $101 | — | $101 | 1.02% |
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 | 263 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 150 | $935K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $72K |
| Vision | EYEMED VISION CARE | 152 | $10K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 263 | $44K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 263 | $44K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 263 | $44K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 263 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.