| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SNELLINGS WALTERS INSURANCE AGENCY3 Filed as: SNELLINGS WALTERS INSURANCE AG | 5 CONCOURSE PKWY STE 2700 ATLANTA, GA 30328 | STARMOUNT LIFE INSURANCE COMPANY | $7K | $2K | $9K | 11.62% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | STARMOUNT LIFE INSURANCE COMPANY | $1K | — | $1K | 1.36% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | 318 W ADAMS ST STE 1815 CHICAGO, IL 60606 | STARMOUNT LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| SNELLINGS WALTERS INSURANCE AGENCY3 Filed as: SNELLINGS WALTERS INSURANCE AG | 5 CONCOURSE PKWY STE 2700 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $10K | 16.30% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $831 | — | $831 | 1.37% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | 318 W ADAMS ST STE 1815 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| SNELLINGS WALTERS INSURANCE AGENCY3 Filed as: SNELLINGS WALTERS INSURANCE AG | 5 CONCOURSE PKWY STE 2700 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 16.25% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $748 | — | $748 | 1.36% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | 318 W ADAMS ST STE 1815 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| SNELLINGS WALTERS INSURANCE AGENCY3 Filed as: SNELLINGS WALTERS INSURANCE AG | 5 CONCOURSE PKWY STE 2700 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $962 | $7K | 15.82% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $577 | — | $577 | 1.36% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | 318 W ADAMS ST STE 1815 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| SNELLINGS WALTERS INSURANCE AGENCY3 Filed as: SNELLINGS WALTERS INSURANCE AG | 5 CONCOURSE PKWY STE 2700 ATLANTA, GA 30328 | UNUM INSURANCE COMPANY | $2K | $257 | $2K | 15.53% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | UNUM INSURANCE COMPANY | $192 | — | $192 | 1.37% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | 318 W ADAMS ST STE 1815 CHICAGO, IL 60606 | UNUM INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| SNELLINGS WALTERS INSURANCE AGENCY3 Filed as: SNELLINGS WALTERS INSURANCE AG | 5 CONCOURSE PKWY STE 2700 ATLANTA, GA 30328 | UNUM INSURANCE COMPANY | $2K | $231 | $2K | 15.45% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | 318 W ADAMS ST STE 1815 CHICAGO, IL 60606 | UNUM INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNUM INSURANCE COMPANY | 65 | $27K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 116 | $79K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 116 | $79K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 192 | $98K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 192 | $43K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 64 | $61K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 192 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.