Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingThe top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
Broker: Willis Towers Watson LTD | LTD |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 1 contract with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 26,966 | 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) | 26,966 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 27,488 | $6.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 27,488 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
Carrier: Unum Life Insurance Company of America |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE & CO LLC EIN 35-1178661 NONE KNOWN | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $19K |
| PLANTE & MORAN, PLLC EIN 33-1498605 NONE KNOWN | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $6K |
| UNUM LIFE INSURANCE CO OF AMERICA EIN 01-0278678 NONE KNOWN | Contract Administrator; Direct payment from the plan Service code 13 | — | $5K |
| THE NORTHERN TRUST COMPANY EIN 36-1561860 NONE KNOWN | Custodial (securities); Float revenue; Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 19 | — | $3K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
4 contacts
Phone and email for the actuary are on Pro.
11 filings · 2015 to 2025