| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GAIL E HILLER-LEE3 Filed as: GAIL E. HILLER-LEE | 50 CHARLES LINDBERGH BLVD., STE 420 UNIONDALE, NY 11553 | FIRST UNUM LIFE INSURANCE COMPANY | $528 | — | $528 | 1.65% |
| THE DBL CENTER LTD3 Filed as: DBL CENTER LTD. | 555 BROADHOLLOW RD, STE 271 MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY | $348 | $174 | $522 | 1.63% |
| BERNARD A HILLER INC3 Filed as: BERNARD A. HILLER | 50 CHARLES LINDBERGH BLVD., STE 420 UNIONDALE, NY 11553 | FIRST UNUM LIFE INSURANCE COMPANY | $514 | — | $514 | 1.61% |
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 | 241 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 241 | $32K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 241 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.