| 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 | $509 | $4K | 6.94% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY STE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 5.00% |
| KAMINER FINANCIAL GROUP, LTD3 | 1415 RT 70 E STE 510 CHERRY HILL, NJ 08034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.60% |
| LEON MARTIN Filed as: LEON L. LEVY & ASSOCIATES | PO BOX 378 JENKINTOWN, PA 19046 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $956 | $80 | $1K | 11.38% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY STE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $456 | $456 | 5.01% |
| KAMINER FINANCIAL GROUP, LTD | 1415 RT 70 E STE 510 CHERRY HILL, NJ 08034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $410 | — | $410 | 4.50% |
| LEON MARTIN Filed as: LEON L. LEVY & ASSOCIATES | PO BOX 378 JENKINTOWN, PA 19046 | PROVIDENT LIFE AND ACCIDENT INSURANCE | $1K | — | $1K | 54.01% |
| MCCELLAN, DAVID, JOEL | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | PROVIDENT LIFE AND ACCIDENT INSURANCE | $871 | — | $871 | 35.99% |
| LEON MARTIN Filed as: LEON L. LEVY & ASSOCIATES | PO BOX 378 JENKINTOWN, PA 19046 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $748 | — | $748 | 39.00% |
| MCCELLAN, DAVID, JOEL | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $499 | — | $499 | 26.02% |
| LEON MARTIN3 Filed as: LEON L. LEVY & ASSOCIATES | PO BOX 378 JENKINTOWN, PA 19046 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $725 | — | $725 | — |
| EMERSON REID LLC3 | 4507 N. FRONT STREET HARRISBURG, PA 17110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $242 | — | $242 | — |
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 | 101 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 101 | $70K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 101 | $58K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 13 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 101 | — |
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.