| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHWENDEMAN AGENCY, INC.3 | 109 PUTNAM ST MARIETTA, OH 45750 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $103 | $6K | 4.26% |
| ENROLLEASE3 Filed as: FIRST PERSON INC | 9000 KEYSTONE CROSSING SUITE 910 INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $103 | $83 | $186 | 0.14% |
| SCHWENDEMAN AGENCY, INC.3 | 109 PUTNAM ST MARIETTA, OH 45750 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $1K | $17K | 14.86% |
| ENROLLEASE3 Filed as: FIRST PERSON INC | 9000 KEYSTONE CROSSING SUITE 910 INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $136 | $3K | 2.43% |
| SCHWENDEMAN AGENCY, INC.3 | 109 PUTNAM ST MARIETTA, OH 45750 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $631 | $13K | 13.27% |
| ENROLLEASE3 Filed as: FIRST PERSON INC | 9000 KEYSTONE CROSSING SUITE 910 INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $123 | $3K | 2.59% |
| SCHWENDEMAN AGENCY, INC.3 | 109 PUTNAM ST MARIETTA, OH 45750 | UNUM LIFE INSURANCE COMPANY OF AMERICAN | $3K | $333 | $3K | 7.37% |
| ENROLLEASE3 Filed as: FIRST PERSON INC | 9000 KEYSTONE CROSSING SUITE 910 INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICAN | $371 | $54 | $425 | 1.09% |
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 | 489 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 489 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 489 | $139K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 475 | $131K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 97 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 489 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.