| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY, LLC | 650 NORTH 12TH ST LEMOYNE, PA 17043 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 10.39% |
| SKILES, TIMOTHY3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 5.00% |
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY, LLC | 650 NORTH 12TH ST LEMOYNE, PA 17043 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 15.00% |
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY, LLC | 650 NORTH 12TH ST LEMOYNE, PA 17043 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 15.00% |
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY LLC | 650 N 12TH ST LEMOYNE, PA 17043 | UNUM INSURANCE COMPANY | $360 | $0 | $360 | 9.00% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 Filed as: BENECHOICE ENROLLMENT SOLUTION | 1574 LITITZ PIKE LANCASTER, PA 17601 | UNUM INSURANCE COMPANY | $240 | $0 | $240 | 6.00% |
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY LLC | 650 N 12TH ST LEMOYNE, PA 17043 | UNUM INSURANCE COMPANY | $283 | $0 | $283 | 7.25% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 Filed as: BENECHOICE ENROLLMENT SOLUTION | 1574 LITITZ PIKE LANCASTER, PA 17601 | UNUM INSURANCE COMPANY | $189 | $0 | $189 | 4.84% |
| SKILES, TIMOTHY3 Filed as: SKILES, TIMOTHY N | 1574 LITITZ PIKE LANCASTER, PA 17601 | UNUM INSURANCE COMPANY | $145 | $0 | $145 | 3.71% |
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY LLC | 650 N 12TH ST LEMOYNE, PA 17043 | UNUM INSURANCE COMPANY | $271 | $0 | $271 | 8.98% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 Filed as: BENECHOICE ENROLLMENT SOLUTION | 1574 LITITZ PIKE LANCASTER, PA 17601 | UNUM INSURANCE COMPANY | $181 | $0 | $181 | 6.00% |
| SKILES, TIMOTHY3 Filed as: SKILES, TIMOTHY N | 1574 LITITZ PIKE LANCASTER, PA 17601 | UNUM INSURANCE COMPANY | $162 | $0 | $162 | 5.37% |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $48K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $44K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.