| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: FIRST PERSON BENEFIT ADVISORS | 8900 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $0 | $10K | 10.00% |
| ENROLLEASE3 Filed as: FIRST PERSON BENEFIT ADVISORS | 8900 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $582 | $12K | 15.75% |
| WATCH TOWER BENEFITS3 Filed as: WATCH TOWER BENEFITS, LLC | 2734 N MILDRED AVE CHICAGO, IL 60618 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 1.50% |
| ENROLLEASE3 Filed as: FIRST PERSON BENEFIT ADVISORS | 8900 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $325 | $7K | 15.75% |
| WATCH TOWER BENEFITS3 Filed as: WATCH TOWER BENEFITS, LLC | 2734 N MILDRED AVE CHICAGO, IL 60618 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $650 | $0 | $650 | 1.50% |
| ENROLLEASE3 Filed as: FIRST PERSON BENEFIT ADVISORS | 8900 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 21.04% |
| WATCH TOWER BENEFITS3 Filed as: WATCH TOWER BENEFITS, LLC | 2734 N MILDRED AVE CHICAGO, IL 60618 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $72 | $72 | 0.29% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $55 | $0 | $55 | 0.22% |
| ENROLLEASE3 Filed as: FIRST PERSON BENEFIT ADVISORS | 8900 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $115 | $2K | 15.75% |
| WATCH TOWER BENEFITS3 Filed as: WATCH TOWER BENEFITS, LLC | 2734 N MILDRED AVE CHICAGO, IL 60618 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $229 | $0 | $229 | 1.50% |
| ENROLLEASE3 Filed as: FIRST PERSON BENEFIT ADVISORS | 8900 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | EYEMED VISION CARE | $1K | $0 | $1K | 9.88% |
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 | 276 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 264 | $102K |
| Vision | EYEMED VISION CARE | 234 | $15K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 276 | $59K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 93 | $78K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 93 | $78K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 276 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.