| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $10K | 12.55% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC- MOUNT | 8110 E UNION AVE STE 700 DENVER, CO 80237 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $808 | $158 | $966 | 1.28% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $7K | 16.72% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC- MOUNT | 8110 E UNION AVE STE 700 DENVER, CO 80237 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $231 | $31 | $262 | 0.66% |
| JENNON M CARUTH3 | PO BOX 46122 EDEN PRAIRIE, MN 55344 | UNUM INSURANCE COMPANY | $6K | $242 | $6K | 38.92% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | UNUM INSURANCE COMPANY | $4K | $236 | $4K | 24.32% |
| JENNON M CARUTH3 | PO BOX 46122 EDEN PRAIRIE, MN 55344 | UNUM INSURANCE COMPANY | $2K | $146 | $2K | 23.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | UNUM INSURANCE COMPANY | $856 | $99 | $955 | 10.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $454 | $0 | $454 | 10.62% |
| DENNIS W MCVITTIE JR3 Filed as: DENNIS W MCVITTIE | 43749 DORISA CT NORTHVILLE, MI 48167 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $346 | $0 | $346 | 8.10% |
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 | 114 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED | 153 | $12K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 118 | $115K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 118 | $76K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 118 | $76K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 118 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.