| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 200 GLENRIDGE POINT PKWY SUITE 400 ATLANTA, GA 30342 | METROPOLITAN LIFE INSURANCE COMPANY | $62K | — | $62K | 3.71% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | — | $49K | $49K | 2.90% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA STREET SUITE 400 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN, INC. | $26K | — | $26K | 3.18% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 6180 CAROL STREAM, IL 60197 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $77K | $14K | $91K | 12.75% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 STATE STREET PLAZA 9TH FLOOR NEW YORK, NY 10004 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $77K | — | $77K | 10.81% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 6180 CAROL STREAM, IL 60197 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $59K | $7K | $66K | 11.81% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 STATE STREET PLAZA 9TH FLOOR NEW YORK, NY 10004 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $59K | — | $59K | 10.55% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA STREET SUITE 400 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 3.61% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 6180 CAROL STREAM, IL 60197 | METLIFE LEGAL PLANS | $7K | — | $7K | 9.87% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 511398 LOS ANGELES, CA 90051 | METLIFE LEGAL PLANS | — | $2K | $2K | 2.75% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1350 DRESDEN DRIVE NE ATLANTA, GA 30319 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $1K | $12K | 27.33% |
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 | 1,460 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,460 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 131 | $906K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,760 | $1.7M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,460 | $713K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,460 | $563K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 131 | $906K |
| Other(2 contracts, 2 carriers) | METLIFE LEGAL PLANS | 248 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,760 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.