| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MALONEY, TIMOTHY G3 | 433 SOUTH MAIN STREET SUITE 107 WEST HARTFORD, CT 06110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 6.14% |
| MALONEY, TIMOTHY G3 | 433 SOUTH MAIN STREET SUITE 107 WEST HARTFORD, CT 06110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $555 | — | $555 | 15.07% |
| MALONEY, TIMOTHY G3 Filed as: MALONEY, TIMOTHY, G | 433 SOUTH MAIN STREET SUITE 107 WEST HARTFORD, CT 06110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19 | — | $19 | 1.05% |
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 | 96 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 324 | $187K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 324 | $184K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 324 | $184K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 98 | $246K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 324 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.