| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AZURANCE GROUP3 | 4510 13TH AVE S FARGO, ND 58121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $198K | $198K | 15.85% |
| AZURANCE GROUP3 | 4510 13TH AVE S FARGO, ND 58121 | UNUM | — | $85K | $85K | 19.62% |
| AZURANCE GROUP | 4510 13TH AVE S FARGO, ND 58121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $54K | $2K | $56K | 16.86% |
| GUCKERT, HUGO, CHRISTOPHER | STE 310 4500 BLACK ROCK ROAD HAPSTEAD, MD 21074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $444 | — | $444 | 0.13% |
| AZURANCE GROUP3 | 4510 13TH AVE SW FARGO, ND 58121 | PROVIDENT LIFE AND ACCIDENT INSURANC ECOMPANY | $18K | $605 | $19K | 10.99% |
| GUCKERT, HUGO, CHRISTOPHER Filed as: GUCKERT, HUGO CHRISTOPHER | STE 310 4500 BLACK ROCK ROAD HAMPSTEAD, MD 21074 | PROVIDENT LIFE AND ACCIDENT INSURANC ECOMPANY | $1K | — | $1K | 0.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 | Other services Service code 49 | 1 FOUNTAIN SQUARE CHATTANOOGA, TN 37402 | $87K |
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 | 2,572 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,572 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,872 | $2.2M |
| Long-term disability | UNUM | 949 | $432K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,872 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.