| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC | THE EMPIRE STATE BUILDING NEW YORK, NY 10118 | AETNA | $17K | — | $17K | 1.23% |
| KAMINER FINANCIAL GROUP, LTD | 1415 RT 70 E STE 510 CHERRY HILL, NJ 08034 | AETNA | $3K | — | $3K | 0.20% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | AETNA | $1K | — | $1K | 0.09% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $990 | $5K | 6.65% |
| CENTRO BENEFITS RESEARCH LLC | STE 300 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 6.05% |
| KAMINER FINANCIAL GROUP, LTD3 | 1415 RT 70 E STE 510 CHERRY HILL, NJ 08034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.25% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY STE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.50% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $154 | $1K | 11.90% |
| CENTRO BENEFITS RESEARCH LLC | STE 300 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $705 | — | $705 | 6.40% |
| KAMINER FINANCIAL GROUP, LTD | 1415 RT 70 E STE 510 CHERRY HILL, NJ 08034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $495 | — | $495 | 4.50% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY STE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $165 | $165 | 1.50% |
| KAMINER FINANCIAL GROUP, LTD | 1415 RT 70 E STE 510 CHERRY HILL, NJ 08034 | VISION SERVICE PLAN | $534 | — | $534 | 5.20% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $229 | — | $229 | 2.23% |
| MATTHEW MINK | 660 AMERICAN AVE, STE 101 KING OF PRUSSIA, PA 19406 | VISION SERVICE PLAN | -$15 | — | -$15 | -0.15% |
| BLOCK, CHARLES, D3 Filed as: BLOCK, CHARLES D | 648 VILLAGE PARK, UNIT 208 WILMINGTON, NC 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $491 | $50 | $541 | 8.99% |
| VAN EPPS, JAMES, H3 Filed as: VAN EPPS, JAMES H. | 10930 CRABAPPLE RD, STE 206 ROSWELL, GA 08034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $491 | $45 | $536 | 8.90% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $458 | $27 | $485 | 8.06% |
| KAMINER FINANCIAL GROUP, LTD | 1415 RT 70 E STE 510 CHERRY HILL, NJ 08034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $196 | — | $196 | 3.26% |
| LEON MARTIN Filed as: LEON L LEVY & ASSOCIATES | 1818 MARKET ST, STE 3232 PHILADELPHIA, PA 19103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $40 | — | $40 | 0.66% |
| MCCLELLAN, DAVID J Filed as: MCCLELLAN, DAVID, JOEL | 114 ROTAL HORSE WAY REINHOLDS, PA 17569 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27 | — | $27 | 0.45% |
| BLOCK, CHARLES, D3 Filed as: BLOCK, CHARLES D | 648 VILLAGE PARK, UNIT 208 WILMINGTON, NC 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $233 | $35 | $268 | 8.66% |
| VAN EPPS, JAMES, H3 Filed as: VAN EPPS, JAMES H. | 10930 CRABAPPLE RD, STE 206 ROSWELL, GA 30075 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $233 | $31 | $264 | 8.53% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $218 | $18 | $236 | 7.62% |
| KAMINER FINANCIAL GROUP, LTD | 1415 RT 70 E STE 510 CHERRY HILL, NJ 08034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $93 | — | $93 | 3.00% |
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 | 287 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 193 | $1.4M |
| Dental | AETNA | 193 | $1.4M |
| Vision | VISION SERVICE PLAN | 110 | $10K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 287 | $88K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 287 | $71K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 287 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.