| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAIRN ADVISORS, LLC3 | 4819 WILLIAMS DR GEORGETOWN, TX 78633 | STARMOUNT LIFE INSURANCE COMPANY | $34K | — | $34K | 10.00% |
| CAIRN ADVISORS, LLC3 | 4819 WILLIAMS DR GEORGETOWN, TX 78633 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 15.14% |
| CAIRN ADVISORS, LLC3 | 4819 WILLIAMS DR GEORGETOWN, TX 78633 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 15.00% |
| CAIRN ADVISORS, LLC3 | 4819 WILLIAMS DR GEORGETOWN, TX 78633 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 15.33% |
| CHERRY CREEK BENEFITS3 Filed as: CHERRY CREEK INSURANCE AGENCY | 155 INVERNESS DR WEST ENGLEWOOD, CO 80112 | UNUM INSURANCE COMPANY | $4K | — | $4K | 15.01% |
| CHERRY CREEK BENEFITS3 Filed as: CHERRY CREEK INSURANCE AGENCY | 155 INVERNESS DR WEST ENGLEWOOD, CO 80112 | UNUM INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| CAIRN ADVISORS, LLC3 | 4819 WILLIAMS DR GEORGETOWN, TX 78633 | UNUM INSURANCE COMPANY | $3K | — | $3K | 15.02% |
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 | 535 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 535 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | UNUM INSURANCE COMPANY | 118 | $64K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 427 | $336K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 427 | $336K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 326 | $148K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 236 | $61K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 535 | $95K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 326 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 535 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.