| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | UNITEDHEALTHCARE INSURANCE COMPANY | $56K | $0 | $56K | 3.69% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | $0 | $16K | 1.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 30 CENTURY HILL DRIVE SUITE 301 LATHAM, NY 12110 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 4.69% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC | 10 RESEARCH PARKWAY SUITE 200 WALLINGFORD, CT 04535 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 4.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 30 CENTURY HILL DRIVE SUITE 301 LATHAM, NY 12110 | FIRST UNUM LIFE INSURANCES COMPANY | $16K | $0 | $16K | 20.00% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY SUITE 200 WALLINGFORD, CT 06492 | FIRST UNUM LIFE INSURANCES COMPANY | $7K | $1K | $8K | 15.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | FIRST UNUM LIFE INSURANCES COMPANY | $0 | $0 | $0 | 0.00% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY SUITE 200 WALLINGFORD, CT 06492 | FIRST UNUM LIFE INSURANCES COMPANY | $7K | $999 | $8K | 16.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | FIRST UNUM LIFE INSURANCES COMPANY | $0 | $0 | $0 | 0.00% |
| BROKER NOT PROVIDED Filed as: NO BROKER FOR THIS POLICY | — | FIRST UNUM LIFE INSURANCESCOMPANY | $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 | 137 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 137 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 154 | $108K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 154 | $108K |
| Life insurance | FIRST UNUM LIFE INSURANCES COMPANY | 134 | $50K |
| Short-term disability | FIRST UNUM LIFE INSURANCES COMPANY | 135 | $56K |
| Long-term disability | FIRST UNUM LIFE INSURANCES COMPANY | 134 | $50K |
| Other(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCES COMPANY | 134 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.