| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONS INSURANCE INC3 | 6000 POPLAR AVE SUITE 300 MEMPHIS, TN 38119 | FIRST UNUM LIFE INSURANCE COMPANY | — | $3K | $3K | 2.00% |
| REGIONS INSURANCE INC3 | 6000 POPLAR AVE SUITE 300 MEMPHIS, TN 38119 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | $1K | $11K | 17.00% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROGRAMS AON CO | 897 12TH ST HAMMONTON, NJ 08037 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 3.27% |
| REGIONS INSURANCE INC3 | STE 300 6000 POPLAR AVE MEMPHIS, TN 38119 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 2.80% |
| JO ANN PANTALONE3 | 897 12TH ST HAMMONTON, NJ 08037 | FIRST UNUM LIFE INSURANCE COMPANY | $260 | — | $260 | 0.58% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $44 | — | $44 | 0.10% |
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 | 413 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 485 | $264K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 485 | $153K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 485 | $153K |
| Other(4 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 505 | $365K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 505 | — |
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."
No prospect flags tripped on this filing.