| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GOHN, SCOTT A3 | 3659 GREEN RD STE 317 BEACHWOOD, OH 44122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 18.67% |
| NYLIFE SECURITIES LLC3 | 51 MADISON AVE ROOM 251 NEW YORK, NY 10010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $109 | $109 | 2.00% |
| GOHN, SCOTT A3 | 3659 GREEN RD STE 317 BEACHWOOD, OH 44122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $684 | — | $684 | 29.41% |
| NYLIFE SECURITIES LLC3 | 51 MADISON AVE ROOM 251 NEW YORK, NY 10010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $47 | $47 | 2.02% |
| REDTAIL LTD3 | 9999 BREWSTER LN # 100 POWELL, OH 43065 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $327 | — | $327 | 14.25% |
| REDTAIL LTD3 | 9999 BREWSTER LN # 100 POWELL, OH 43065 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $301 | — | $301 | 15.00% |
| REDTAIL LTD3 | 9999 BREWSTER LN # 100 POWELL, OH 43065 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $76 | — | $76 | 14.96% |
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 | 164 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $10K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 11 | $508 |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $4K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.