| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: FIRST PERSON BENEFIT ADVISORS | 8900 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | ANTHEM INSURANCE COMPANIES, INC. | $53K | $0 | $53K | 1.30% |
| ENROLLEASE3 Filed as: FIRST PERSON BENEFIT ADVISORS | 8900 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $45K | $3K | $48K | 10.75% |
| WATCH TOWER BENEFITS3 Filed as: WATCH TOWER BENEFITS, LLC | 2734 N MILDRED AVE CHICAGO, IL 60618 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 1.58% |
| ENROLLEASE3 Filed as: FIRST PERSON BENEFIT ADVISORS | 8900 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | STARMOUNT LIFE INSURANCE COMPANY | $43K | $3K | $45K | 14.50% |
| WATCH TOWER BENEFITS3 Filed as: WATCH TOWER BENEFITS, LLC | 2734 N MILDRED AVE CHICAGO, IL 60618 | STARMOUNT LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.50% |
| ENROLLEASE3 Filed as: FIRST PERSON BENEFIT ADVISORS | 8900 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $1K | $15K | 10.75% |
| WATCH TOWER BENEFITS3 Filed as: WATCH TOWER BENEFITS, LLC | 2734 N MILDRED AVE CHICAGO, IL 60618 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.58% |
| ENROLLEASE3 Filed as: FIRST PERSON BENEFIT ADVISORS | 8900 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23K | $3K | $27K | 56.84% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $8K | $8K | 15.95% |
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 | 400 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 268 | $4.1M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 284 | $313K |
| Vision(2 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES, INC. | 284 | $4.4M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 400 | $445K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 400 | $445K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 400 | $445K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 400 | $632K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.