| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TALONE INSURANCE, INC.3 Filed as: TALONE INSURANCE INC | 3953 RIDGE PIKE, STE 201 COLLEGEVILLE, PA 19426 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | — | $20K | 7.37% |
| TALONE INSURANCE, INC.3 | 3953 RIDGE PIKE COLLEGEVILLE, PA 19426 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 7.29% |
| CHRISTOPHER SMITH3 | PO BOX 6650 METAIRIE, TN 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 6.36% |
| VOLUNTARY BENEFITS OF AMERICA, INC.3 Filed as: VOLUNTARY BENEFITS OF AMERICA INC | P.O. BOX 462 RICHMOND, VA 23218 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.80% |
| CHRISTOPHER SMITH3 | PO BOX 6650 METAIRIE, TN 70009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMAPNY | $3K | — | $3K | 10.71% |
| TALONE INSURANCE, INC.3 | 3953 RIDGE PIKE COLLEGEVILLE, PA 19426 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMAPNY | $2K | — | $2K | 9.60% |
| JOHN TALONE3 | 3953 RIDGE PIKE COLLEGEVILLE, PA 19426 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMAPNY | $323 | — | $323 | 1.24% |
| CHRISTOPHER SMITH3 | PO BOX 6650 METAIRIE, TN 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $105 | — | $105 | 22.44% |
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 | 1,693 | 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) | 1,693 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,306 | $380K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,306 | $353K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,306 | $353K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,306 | $353K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,306 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.