| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 77056 | UNITED HEALTHCARE INSURANCE COMPANY | $42K | $156K | $198K | 3.40% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE BROKERS AND CONSULT | 270 MEDIA CENTER DRIVE BUILDING 6 SUITE 120 LOS ANGELES, CA 90065 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 13.62% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE BROKERS AND CONSULT | 270 MEDIA CENTER DRIVE BUILDING 6 SUITE 120 LOS ANGELES, CA 90065 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 18.34% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE BROKERS AND CONSULT | 270 MEDIA CENTER DRIVE BUILDING 6 SUITE 120 LOS ANGELES, CA 90065 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 13.70% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 77056 | SHELTERPOINT LIFE INSURANCE COMPANY | $2K | — | $2K | 2.27% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE BROKERS AND CONSULT | 270 MEDIA CENTER DRIVE BUILDING 6 SUITE 120 LOS ANGELES, CA 90065 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 15.00% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE BROKERS AND CONSULT | 270 MEDIA CENTER DRIVE BUILDING 6 SUITE 120 LOS ANGELES, CA 90065 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE BROKERS AND CONSULT | 270 MEDIA CENTER DRIVE BUILDING 6 SUITE 120 LOS ANGELES, CA 90065 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 18.30% |
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 | 558 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 585 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,134 | $5.8M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 1,134 | $5.8M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,134 | $5.8M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 346 | $87K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 136 | $82K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 232 | $105K |
| Prescription drug | UNIVERSITY HEALTH ALLIANCE | 1 | $4K |
| Other(4 contracts, 2 carriers) | SHELTERPOINT LIFE INSURANCE COMPANY | 295 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,134 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.