| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VINCENZO VENTURI3 | 14 WESTCHESTER AVE POUND RIDGE, NY 10576 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 6.02% |
| EMERSON REID LLC3 | 630 W GERMANTOWN PIKE STE 215 PLYMOUTH MEETING, PA 19462 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 4.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $106 | $1K | 1.26% |
| INSURANCE PLANS AGENCY, INC.3 Filed as: INSURANCE PLANS AGENCY INC | 3 EXECUTIVE CT STE 3 S BARRINGTON, IL 60010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $875 | $1 | $876 | 0.92% |
| MARK BADLU3 | NYLIFE SECURITIES LLC 51 MADISON AVE ROOM 606 NEW YORK, NY 10010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $590 | $590 | 0.62% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 206 | $95K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 206 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.