| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMSTRONG, DOYLE & CARROLL, INC.3 Filed as: ARMSTRONG DOYLE & CARROLL, INC. | 1285 DRUMMERS LANE STE 201 WAYNE, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $881 | $8K | 12.37% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.41% |
| ARMSTRONG, DOYLE & CARROLL, INC.3 Filed as: ARMSTRONG DOYLE & CARROLL, INC. | 1285 DRUMMERS LANE STE 201 WAYNE, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $716 | $99 | $815 | 10.25% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $398 | — | $398 | 5.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE CO OF AMERICA EIN 01-0278678 | Insurance services Service code 23 | — | $5K |
| ARMSTRONG DOYLE & CARROLL, INC | Insurance services Service code 23 | 1285 DRUMMERS LANE STE 201 WAYNE, PA 19087 | $0 |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131 | $63K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131 | $63K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.