| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIFETIME BENEFIT SOLUTIONS, INC.3 Filed as: LIFETIME BENEFIT SOLUTIONS, INC | 2457 STATE RT 7 SUITE 1 COBLESKILL, NY 12043 | EXCELLUS BLUE CROSS/BLUE SHIELD | $14K | — | $14K | 4.00% |
| STRATEGIC BENEFITS ADVISORS IN3 | 2625 BUTTERFIELD ROAD STE 109N OAK BROOK, IL 60523 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 8.40% |
| STRATEGIC BENEFITS ADVISORS IN3 | 2625 BUTTERFIELD ROAD STE 109N OAK BROOK, IL 60523 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 11.72% |
| STRATEGIC BENEFITS ADVISORS IN3 | 2625 BUTTERFIELD ROAD STE 109N SUITE 109A OAK BROOK, IL 60523 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
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 | 565 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 566 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS/BLUE SHIELD | 23 | $344K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 565 | $64K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 180 | $86K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 565 | $128K |
| Prescription drug | EXCELLUS BLUE CROSS/BLUE SHIELD | 23 | $344K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 565 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 565 | — |
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.