| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STAMMEN INSURANCE GROUP, LLC3 Filed as: STAMMEN INSURANCE GROUP LLC | 115-117 S MAIN ST CELINA, OH 45822 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $49K | — | $49K | 4.97% |
| BARBARA S. SHEAHAN-CLAIR3 Filed as: BARBARA S CLAIR | 21 JENKINS DR DURANGO, CO 81301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 2.01% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE P.O. BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $17K | $202 | $17K | 9.83% |
| BARBARA S. SHEAHAN-CLAIR3 Filed as: BARBARA S. CLAIR | 21 JENKINS DR. DURANGO, CO 81301 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 1.83% |
| STAMMEN INSURANCE GROUP, LLC3 Filed as: STAMMEN FINANCIAL SERVICES, LTD. | 115-117 S. MAIN ST. CELINA, OH 45822 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.26% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1501 REEDSDALE ST STE 403 PITTSBURGH, PA 15233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE P.O. BOX 527 FARMINGTON, CT 06034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $943 | $11K | 13.88% |
| BARBARA S. SHEAHAN-CLAIR3 Filed as: BARBARA S. CLAIR | 21 JENKINS DR. DURANGO, CO 81301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.25% |
| STAMMEN INSURANCE GROUP, LLC3 Filed as: STAMMEN FINANCIAL SERVICES, LTD. | 115-117 S. MAIN ST. CELINA, OH 45822 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.72% |
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 | 1,413 | 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) | 1,413 | 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 | 1,413 | $1.2M |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,413 | $1.2M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,413 | $1.2M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,413 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,413 | — |
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.
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.