| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LENOX ADVISORS INC3 Filed as: LENOX ADVISORS INC. | 530 FIFTH AVENUE, 11TH FLOOR NEW YORK, NY 10036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $706 | $5K | 4.47% |
| LENOX ADVISORS INC3 Filed as: LENOX ADVISORS INC. | 530 5TH AVE. 11TH FLOOR NEW YORK, NY 10036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $261 | $3K | 6.64% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVE. 21ST FLOOR NEW YORK, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $701 | $147 | $848 | 1.80% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | BUILDING 2, SUTE 125 1250 CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78746 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| LENOX ADVISORS INC3 Filed as: LENOX ADVISORS INC. | 530 5TH AVE. 11TH FLOOR NEW YORK, NY 10036 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $91 | $2K | 11.53% |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES, LLC | 340 MADISON AVE. 21ST FLOOR NEW YORK, NY 10173 | FIRST UNUM LIFE INSURANCE COMPANY | $572 | $67 | $639 | 4.37% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES. INC. | BLDG 2, STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
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 | 470 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 470 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 301 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.