| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | THE EMPIRE STATE BUILDING NEW YORK, NY 10118 | AETNA | $12K | $0 | $12K | 0.96% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $544 | $3K | 4.42% |
| LEON MARTIN3 Filed as: LEON L. LEVY & ASSOCIATES | 1818 MARKET ST STE 3232 PHILADELPHIA, PA 19103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $105 | $2K | 2.70% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY STE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 2.69% |
| KAMINER FINANCIAL GROUP, LTD3 | 1415 RT 70 E STE 510 CHERRY HILL, NJ 08034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 2.58% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $761 | $101 | $862 | 7.83% |
| KAMINER FINANCIAL GROUP, LTD | 1415 RT 70 E STE 510 CHERRY HILL, NJ 08034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $495 | — | $495 | 4.50% |
| LEON MARTIN3 Filed as: LEON L. LEVY & ASSOCIATES | 1818 MARKET ST STE 3232 PHILADELPHIA, PA 19103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $395 | $20 | $415 | 3.77% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY STE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $297 | $297 | 2.70% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY STE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| LEON MARTIN3 Filed as: LEON L. LEVY & ASSOCIATES | 1818 MARKET ST STE 3232 PHILADELPHIA, PA 19103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| LEON MARTIN3 Filed as: LEON L. LEVY & ASSOCIATES | 1818 MARKET ST STE 3232 PHILADELPHIA, PA 19103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $69 | — | $69 | 3.02% |
| LEON MARTIN3 Filed as: LEON L. LEVY & ASSOCIATES | 1818 MARKET ST STE 3232 PHILADELPHIA, PA 19103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $51 | — | $51 | 3.00% |
| DIGIITAL INSURANCE INC.3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1 | $1 | 0.06% |
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 | 240 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 129 | $1.2M |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 240 | $72K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 240 | $59K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 240 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.