| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94524 | HARTFORD LIFE AND ACCIDENT | $27K | — | $27K | 5.30% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE COMPANY | PO BOX 102159 PASADENA, CA 91189 | HARTFORD LIFE AND ACCIDENT | — | $6K | $6K | 1.18% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 911892189 | VISION SERVICE PLAN | $457 | — | $457 | 1.10% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 499 WASHINGTON BLVD 8TH FLOOR STE 810 JERSEY CITY, NJ 07310 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| MMG AGENCY INC.3 | 1145 FOREST AVENUE STATEN ISLAND, NY 103102406 | FEDERAL INSURANCE COMPANY | — | $1K | $1K | 10.00% |
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 | 881 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 881 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 2 | $10K |
| Vision | VISION SERVICE PLAN | 620 | $42K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,081 | $508K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,081 | $508K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,081 | $518K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,081 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.