| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MY BENEFIT ADVISOR LLC3 | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 17182 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $48K | $48K | 3.36% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | VEVA 16 SUITE 320 BLUE BELL, PA 17183 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 1.95% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR, LLC | STE 310 1305 WALT WHITMAN RD MELVILLE, NY 11747 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 8.89% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR, LLC | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 11747 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 9.37% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR, LLC | STE 310 1305 WALT WHITMAN RD MELVILLE, NY 11747 | STARMOUNT LIFE INSURANCE COMPANY | $5K | — | $5K | 10.55% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR, LLC | STE 310 1305 WALT WHITMAN RD MELVILLE, NY 11747 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 16.79% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR, LLC | STE 310 1305 WALT WHITMAN RD MELVILLE, NY 11747 | UNUM LIFE INSURANCE CARRIER OF AMERICA | $2K | — | $2K | 18.71% |
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 | 272 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 272 | $1.4M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 101 | $51K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 123 | $73K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 123 | $61K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 123 | $70K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 268 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.