| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEON MARTIN3 Filed as: LEON L. LEVY & ASSOCIATES | PO BOX 378 JENKINTOWN, PA 19046 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $634 | $5K | 9.42% |
| EMERSON REID LLC3 | 401 BROADWAY STE. 912 NEW YORK, NY 10013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 4.98% |
| KAMINER FINANCIAL GROUP, LTD3 | 1415 RT 70 E STE 510 CHERRY HILL, NJ 08034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $204 | — | $204 | 0.38% |
| LEON MARTIN0 Filed as: LEON L. LEVY & ASSOCIATES | PO BOX 378 JENKINTOWN, PA 19046 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 19.10% |
| LEON MARTIN3 Filed as: LEON L. LEVY & ASSOCIATES | PO BOX 378 JENKINTOWN, PA 19046 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $145 | $2K | 14.75% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 1787 SENTRY PKWY STE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $638 | $638 | 5.00% |
| KAMINER FINANCIAL GROUP, LTD3 | 1415 RT 70 E STE 510 CHERRY HILL, NJ 08034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $177 | — | $177 | 1.39% |
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 | 227 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 227 | $67K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 227 | $54K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.