| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $837 | $13K | 12.84% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $635 | $10K | 12.82% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $480 | $7K | 12.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $170K |
| SHEPHERD INSURANCE LLC EIN 45-3540375 BROKER | Other commissions Service code 55 | — | $59K |
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 | 899 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 900 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 740 | $178K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 118 | $58K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 265 | $821K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 740 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 740 | — |
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."
No prospect flags tripped on this filing.