| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TALONE INSURANCE, INC.3 | 3953 RIDGE PIKE COLLEGEVILLE, PA 19426 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | — | $20K | 7.49% |
| CHRISTOPHER SMITH3 | PO BOX 6650 METAIRIE, TN 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.91% |
| GARY GRECO3 | 110 CHURCH ROAD EAGLEVILLE, PA 19403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.86% |
| JONATHAN SCHOENBERG3 | 103 CYPRESS DRIVE WOODBURY, NY 11797 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $216 | — | $216 | 0.51% |
| NY LIFE SECURITIES LLC3 | 51 MADISON AVENUE NEW YORK, NY 10010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $91 | — | $91 | 0.21% |
| TALONE INSURANCE, INC.3 | 3953 RIDGE PIKE COLLEGEVILLE, PA 19426 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 0.01% |
| CHRISTOPHER SMITH3 | PO BOX 6650 METAIRIE, TN 70009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMAPNY | $2K | — | $2K | 9.80% |
| TALONE INSURANCE, INC.3 | 3953 RIDGE PIKE COLLEGEVILLE, PA 19426 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMAPNY | $196 | — | $196 | 1.15% |
| JOHN TALONE3 | 3953 RIDGE PIKE COLLEGEVILLE, PA 19426 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMAPNY | $138 | — | $138 | 0.81% |
| JONATHAN SCHOENBERG3 | 103 CYPRESS DRIVE WOODBURY, NY 11797 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMAPNY | $111 | — | $111 | 0.65% |
| NEW YORK LIFE AGENTS OF RECORD3 Filed as: NEW YORK LIFE SECURITIES LLC | 51 MADISON AVENUE NEW YORK, NY 10010 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMAPNY | $80 | — | $80 | 0.47% |
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 | 1,440 | 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) | 1,440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,187 | $322K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,187 | $305K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,187 | $305K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,187 | $305K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,187 | — |
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.