| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DICESARE AND ASSOCIATES3 | PO BOX 10818 ROCHESTER, NY 14610 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 20.20% |
| DICESARE AND ASSOCIATES3 | PO BOX 10818 ROCHESTER, NY 14610 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 25.26% |
| AMWINS3 Filed as: AMWINS ANCILLARY, LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 5.02% |
| DICESARE AND ASSOCIATES3 | P.O. BOX 10818 ROCHESTER, NY 14610 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 14.15% |
| AMWINS3 Filed as: AMWINS ANCILLARY, LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $650 | $650 | 5.11% |
| DICESARE AND ASSOCIATES3 | PO BOX 10818 ROCHESTER, NY 14610 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 16.57% |
| AMWINS3 Filed as: AMWINS ANCILLARY, LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $671 | $671 | 5.53% |
| DICESARE AND ASSOCIATES3 | PO BOX 10818 ROCHESTER, NY 14610 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 19.48% |
| AMWINS3 Filed as: AMWINS ANCILLARY, LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $399 | $399 | 6.49% |
| DICESARE AND ASSOCIATES3 | PO BOX 10818 ROCHESTER, NY 14610 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $562 | $0 | $562 | 15.15% |
| AMWINS3 Filed as: AMWINS ANCILLARY, LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $187 | $187 | 5.04% |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 46 | $38K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 26 | $16K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 32 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 46 | — |
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.