| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SENTINEL FINANCIAL SOLUTIONS Filed as: SENTINEL FINANCIAL SOLUTIONS I | 530 5TH AVENUE 11TH FLOOR NEW YORK, NY 10036 | UNUM LIFE INSURANCE OF AMERICA | $5K | — | $5K | 1.68% |
| ZINN, ROBERT M C/O SUSAN SCAFURI | 40 PICKLE ROAD CALIFON, NJ 07830 | UNUM LIFE INSURANCE OF AMERICA | $2K | — | $2K | 0.72% |
| PREFERRED BENEFITS GROUP Filed as: PREFERRED BENEFITS GROUP INC. | 80 ROUTE 4 STE 425 PARAMUS, NJ 07652 | UNUM LIFE INSURANCE OF AMERICA | $1K | $223 | $1K | 0.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE OF AMERICA EIN 01-0278678 | Insurance services Service code 23 | 1 FOUNTAIN SQUARE CHATTANOGA, TN 37402 | $276K |
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 | 429 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE OF AMERICA | 429 | $276K |
| Long-term disability | UNUM LIFE INSURANCE OF AMERICA | 429 | $276K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 429 | — |
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.