| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DUNCAN INSURANCE GROUP3 | 311 MAIN ST IRWIN, PA 156423437 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $2K | — | $2K | 3.54% |
| DUNCAN INSURANCE GROUP3 | 311 MAIN ST IRWIN, PA 156423437 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 9.79% |
| DANIEL BONAR3 | 700 WASHINGTON AVENUE CARNEGIE, PA 15106 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 9.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | VISION BENEFITS OF AMERICA | $828 | — | $828 | 5.32% |
| DUNCAN INSURANCE GROUP3 | 311 MAIN ST IRWIN, PA 15642 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $905 | — | $905 | 15.00% |
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 | 206 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 264 | $66K |
| Vision | VISION BENEFITS OF AMERICA | 205 | $16K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 238 | $59K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 238 | $53K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 238 | $53K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 238 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.