| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE 14TH FL NEW YORK, NY 10178 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | $0 | $30K | 14.06% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE 14TH FL NEW YORK, NY 10178 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $0 | $25K | 19.13% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE 14TH FL NEW YORK, NY 10178 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 12.28% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE 14TH FL NEW YORK, NY 10178 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $934 | $0 | $934 | 14.01% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $168 | $0 | $168 | 20.02% |
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 | 9,273 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,366 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 11,639 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other(5 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 242 | $442K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.