| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE OCEAN BENEFITS & CONSULTING3 Filed as: BLUE OCEAN BENEFITS & CONSULTI | STE 202 1971 STATE HWY 34 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $386 | $4K | 3.94% |
| BASKIN, JOYCE C3 | 72 WYETTA RD MEDFORD, NJ 08055 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.60% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | STE 250 280 E. 96TH STREET INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| BASKIN, JOYCE C3 | 72 WYETTA RD MEDFORD, NJ 08055 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 12.35% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH, THOMAS CHRISTOPHER | PO BOX 40386 798 BERRY RD NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.15% |
| BLUE OCEAN BENEFITS & CONSULTING3 Filed as: BLUE OCEAN BENEFITS & CONSULTI | STE 202 1971 STATE HWY 34 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $42 | $42 | 0.34% |
| BASKIN, JOYCE C3 | 72 WYETTA RD MEDFORD, NJ 08055 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | STE 250 280 E. 96TH STREET INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| BASKIN, JOYCE C3 | 72 WYETTA RD MEDFORD, NJ 08055 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $293 | — | $293 | 3.72% |
| BLUE OCEAN BENEFITS & CONSULTING3 Filed as: BLUE OCEAN BENEFITS & CONSULTI | STE 202 1971 STATE HWY 34 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $233 | — | $233 | 2.96% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 63 | $22K |
| Life insurance(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 63 | $26K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 110 | $112K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 110 | $112K |
| Other(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 63 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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."
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.