| 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 | 4.15% |
| STRATEGIC BENEFITS ADVISORS IN3 | 2625 BUTTERFIELD ROAD STE 109N OAK BROOK, IL 60523 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 5.54% |
| STRATEGIC BENEFITS ADVISORS IN3 | 2625 BUTTERFIELD ROAD STE 109N OAK BROOK, IL 60523 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 14.42% |
| STRATEGIC BENEFITS ADVISORS IN3 | 2625 BUTTERFIELD ROAD STE 109N OAK BROOK, IL 60523 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 11.28% |
| STRATEGIC BENEFITS ADVISORS IN3 | 2625 BUTTERFIELD ROAD STE 109N OAK BROOK, IL 60523 | FIRST UNUM LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 656 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 658 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS/BLUE SHIELD | 22 | $342K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 656 | $100K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 272 | $154K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 656 | $198K |
| Prescription drug | EXCELLUS BLUE CROSS/BLUE SHIELD | 22 | $342K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 656 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 656 | — |
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.