| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY LTD. | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $19K | $19K | 4.00% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY INC. | 1820 E. 1ST ST., STE. 400 SANTA ANA, CA 92705 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $391 | $9K | 7.83% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 199 SCOTT ST., STE. 800 BUFFALO, NY 14204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 6.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 181 EAST 5600 SOUTH, STE. 240 SALT LAKE CITY, UT 84107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 4.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W. GOLF RD., 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $222 | $222 | 0.20% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY LTD. | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 4.00% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 199 SCOTT ST., STE. 800 BUFFALO, NY 14204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $582 | $244 | $826 | 3.35% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY INC. | 1820 E. 1ST ST., STE. 400 SANTA ANA, CA 92705 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $247 | — | $247 | 1.00% |
| PIERCE, DWIGHT, L3 | 1200 E TAFT AVE SAPULPA, OK 74066 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $186 | — | $186 | 0.75% |
| WESTLAKE FINANCIAL GROUP INC3 Filed as: WESTLAKE FINANCIAL GROUP INC. | 2345 WAUKEGAN RD., STE. 140 BANNOCKBURN, IL 60089 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $139 | — | $139 | 0.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 181 EAST 5600 SOUTH, STE. 240 SALT LAKE CITY, UT 84107 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $133 | — | $133 | 0.54% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 500 W. MADISON, STE. 2760 CHICAGO, IL 60661 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 0.24% |
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 | 1,219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,222 | 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 | 1,219 | $492K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,219 | $550K |
| Stop-loss / reinsurancereinsurance | US FIRE INSURANCE COMPANY | 720 | $439K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,219 | $619K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,219 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.