| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMSTRONG, DOYLE & CARROLL, INC.3 | 1285 DRUMMERS LANE, SUITE 201 WAYNE, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 12.98% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | BLDG. 4, STE 404A, 1800 ROUTE 34 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $225 | $4K | 5.69% |
| ARMSTRONG, DOYLE & CARROLL, INC.3 | 1285 DRUMMERS LANE, SUITE 201 WAYNE, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $336 | $3K | 17.98% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 2338 IMMOKALEE RD, SUITE 240 NAPLES, FL 34110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $890 | $43 | $933 | 5.58% |
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 | 222 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 222 | $90K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 222 | $73K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 222 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.