| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.5 Filed as: UNITED HEALTHCARE SERVICES INC | 5901 LINCOLN DR EDINA, MN 55436 | UNITED HEALTHCARE SERVICES INC | — | $738K | $738K | 40.79% |
| HCC LIFE INSURANCE COMPANY0 | 225 TOWNE PARK DR SUITE 350 KENNESAW, GA 30144 | UNITED HEALTHCARE SERVICES INC | — | $563K | $563K | 31.10% |
| MASTER UNUM ENROLL0 Filed as: UNUM LIFE INSURANCE COMPANY | P.O. BOX 100158 COLUMBIA, SC 29202 | UNITED HEALTHCARE SERVICES INC | — | $364K | $364K | 20.11% |
| NJ GROUP SERVICES3 Filed as: NJ GROUP SERVICES LLC | 22 MERIDIAN RD, SUITE 16 EDISON, NJ 08820 | UNITED HEALTHCARE SERVICES INC | — | $127K | $127K | 6.99% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | BLDG 4 SUITE 404 A - 1800 RT 34 WALL, NJ 07719 | UNITED HEALTHCARE SERVICES INC | — | $18K | $18K | 1.01% |
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 | 298 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE SERVICES INC | 301 | $1.8M |
| Dental | UNITED HEALTHCARE SERVICES INC | 301 | $1.8M |
| Vision | UNITED HEALTHCARE SERVICES INC | 301 | $1.8M |
| Life insurance | UNITED HEALTHCARE SERVICES INC | 301 | $1.8M |
| Long-term disability | UNITED HEALTHCARE SERVICES INC | 301 | $1.8M |
| Prescription drug | UNITED HEALTHCARE SERVICES INC | 301 | $1.8M |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE SERVICES INC | 301 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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.