| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | $0 | $33K | 0.46% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | $0 | $33K | 0.60% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | $0 | $33K | 0.76% |
| ANTHONY S. ROBERTS3 Filed as: ANTHONY S ROBERTS | 4965 US HWY 42 SUITE 1000 LOUISVILLE, KY 40222 | TRANSAMERICA PREMIER LIFE INSURANCE COMPANY | $51 | $0 | $51 | 0.62% |
| THOMAS C SMITH3 | 113 SEABOARD LN STE C170 FRANKLIN, TN 37067 | TRANSAMERICA PREMIER LIFE INSURANCE COMPANY | $43 | $0 | $43 | 0.53% |
| A ROBERTS ASSOCIATES INC3 Filed as: A ROBERTS & ASSOCIATES INC | 4965 US HWY 42 STE 1000 LOUISVILLE, KY 40222 | TRANSAMERICA PREMIER LIFE INSURANCE COMPANY | $26 | $0 | $26 | 0.32% |
| PROMPT PRODUCTIONS INC3 | 5400 LAUREL SPRINGS PARKWAY SUITE 1003 SUWANEE, GA 30024 | TRANSAMERICA PREMIER LIFE INSURANCE COMPANY | $9 | $0 | $9 | 0.11% |
| OLD COLONY INS SERVICE INC3 Filed as: OLD COLONY INSURANCE SERVICE INC | PO BOX 327 CRESTWOOD, KY 40014 | TRANSAMERICA PREMIER LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE CO OF AMERICA EIN 01-0278678 NONE | Other fees; Claims processing; Contract Administrator; Insurance services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 12 | — | $254K |
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 | 62,359 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8,875 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 71,234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 39,016 | $13.3M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,676 | $759K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 18,152 | $4.4M |
| Other(6 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 39,016 | $18.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 39,016 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.