| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 14881 QUORUM DRIVE SUITE 850 DALLAS, TX 75254 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $263K | — | $263K | 2.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC. | 2600 KELLY RD STE 300 WARRINGTON, PA 189763622 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $157K | $82K | $239K | 1.90% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3000 EXECUTIVE PKWY STE 325 SAN RAMON, CA 94583 | RELIASTAR LIFE INSURANCE COMPANY | $78K | — | $78K | 23.73% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTON PIKE KNOXVILLE, TN 37919 | RELIASTAR LIFE INSURANCE COMPANY | $22K | $6K | $28K | 8.45% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD #300 WARRINGTON, PA 18796 | RELIASTAR LIFE INSURANCE COMPANY | $25K | — | $25K | 7.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC (JEMM GROUP) | 6500 ROCK SPRING DR #500 BETHESDA, MD 20817 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $8K | $16K | 7.79% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 1.24% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 0.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP | 6500 ROCK SPRING DR #500 BETHESDA, MD 20817 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $5K | $9K | 9.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.60% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $838 | — | $838 | 0.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP | 6500 ROCK SPRING DR #500 BETHESDA, MD 20817 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $4K | $8K | 8.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.35% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURNACE CENTER | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $972 | — | $972 | 0.94% |
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 | 1,685 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,696 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,176 | $12.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,176 | $12.6M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,176 | $12.6M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,839 | $204K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 156 | $105K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 208 | $104K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 1,466 | $330K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,839 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.