| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH, THOMAS,CHRISTOPHER | PO BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $2K | $24K | 51.18% |
| THOMAS MCGEE LC3 Filed as: THOMAS MCGEE, L.C. | 920 MAIN STREET STE 1700 KANSAS CITY, MO 64105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 19.74% |
| THOMAS MCGEE LC3 Filed as: THOMAS MCGEE, L.C. | 920 MAIN ST STE 1700 KANSAS CITY, MO 64105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 15.00% |
| THOMAS MCGEE LC3 Filed as: THOMAS MCGEE, L.C. | 920 MAIN ST STE 1700 KANSAS CITY, MO 64105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 15.00% |
| THOMAS MCGEE LC3 Filed as: THOMAS MCGEE, L.C. | 920 MAIN ST STE 1700 KANSAS CITY, MO 64105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 11.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THOMAS MCGEE,LLC EIN 44-0345740 INS AGENTS OR BROKERS | Insurance agents and brokers Service code 22 | — | $146K |
| ALLIED BENEFIT SYSTEMS INC. EIN 36-3086057 CLAIMS PROCESSING | Claims processing Service code 12 | — | $120K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 OTHER SERVICES | Other services; Contract Administrator Service code 13 | — | $81K |
| TELADOC EIN 35-2351217 OTHER SERVICES | Other services Service code 49 | — | $9K |
| HEALTH CARE BLUE BOOK EIN 20-8981027 OTHER SERVICES | Other services Service code 49 | — | $7K |
| INTERLINK CARE MANAGEMENT EIN 45-4672075 OTHER SERVICES | Other services Service code 49 | — | $6K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 OTHER SERVICES | Other services Service code 49 | — | $6K |
| HEALTH CARE SERVICE CORP EIN 36-1236610 OTHER SERVICES | Other services Service code 49 | — | $5K |
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 | 381 | 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) | 381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 483 | $42K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 483 | $42K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 483 | $42K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 411 | $411K |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 483 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 483 | — |
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.