| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | — | $18K | 7.61% |
| CRYSTAL IBC LLC3 | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $4K | $12K | 4.89% |
| ALLIANCE INSURANCE GROUP LLC3 Filed as: ALLIANCE INSURANCE SERVICES INC | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 3.35% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | — | VISION SERVICE PLAN | $1K | — | $1K | 2.29% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | — | VISION SERVICE PLAN | $446 | — | $446 | 1.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 32 OLD SLIP NEW YORK, NY 10005 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $7K | 36.53% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN ST 21ST FLOOR SAN FRANCISCO, CA 94105 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 12.27% |
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 | 229 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 452 | $940K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 231 | $19K |
| Vision | VISION SERVICE PLAN | 229 | $44K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 228 | $242K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 228 | $242K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 228 | $242K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 228 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 452 | — |
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.