| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEINBERG LLC | 321 RESERVE GATE TERRACE SILVER SPRING, MD 20905 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 3.99% |
| KELLY & ASSOCIATES INSURANCE GROUP Filed as: KELLY & ASSOC INSURANCE GROUP | 1 KELLY WAY SPARKS, MD 20905 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $10K | $10K | 3.29% |
| EMERSON REID LLC | 1787 SENTRY PKWY STE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $749 | $6K | 1.96% |
| NISTAD, JON N | 2101 RT 70 EAST CHERRY HILL, NJ 08003 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $945 | — | $945 | 0.32% |
| WEINBERG LLC | 321 RESERVE GATE TERRACE SILVER SPRING, MD 20905 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 12.85% |
| NISTAD, JON N | 2101 RT 70 EAST CHERRY HILL, NJ 08003 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.15% |
| WEINBERG LLC | 321 RESERVE GATE TERRACE SILVER SPRING, MD 20905 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 18.26% |
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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 187 | $311K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 187 | $311K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 187 | $292K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.