| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 19000 MACARTHUR BLVD IRVINE, CA 92612 | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 0.37% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1900 MACARTHUR BLVD PH FLOOR IRVINE, CA 92612 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | — | $6K | 9.86% |
| MICHAEL 4INS, INC3 | 7180 VIA VERONA DEL RAY BEACH, FL 33446 | TRANSAMERICA LIFE INSURANCE COMPANY | $69 | — | $69 | 0.12% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN RD STE 200 EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $30 | — | $30 | 0.05% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE BROKERS & CONSULTANT | ONE AMERICAN LANE GREENWICH, CT 06831 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.69% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE BROKERS & CONSULTANT | ONE AMERICAN LANE GREENWICH, CT 06831 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 11.88% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE BROKERS & CONSULTANT | ONE AMERICAN LANE GREENWICH, CT 06831 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $714 | — | $714 | 15.01% |
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 | 196 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 245 | $1.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 245 | $1.1M |
| Vision | AETNA LIFE INSURANCE COMPANY | 245 | $1.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 196 | $10K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 196 | $17K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 28 | $5K |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 64 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.