| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN L. WOOD3 | 1112 ALBERT SALINA, KS 67401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 6.14% |
| BOLEN WOOD INSURANCE, INC.3 | P.O. BOX 2747 SALINA, KS 674022747 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| JOHN L. WOOD3 | 1112 ALBERT SALINA, KS 67401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| JOHN L. WOOD3 | 1112 ALBERT SALINA, KS 67401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.82% |
| JOHN L. WOOD3 | 1112 ALBERT SALINA, KS 67401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $439 | — | $439 | 15.02% |
| JOHN L. WOOD3 | 1112 ALBERT SALINA, KS 67401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $90 | — | $90 | 6.78% |
| JOHN L. WOOD3 | 1112 ALBERT SALINA, KS 67401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $109 | — | $109 | 8.71% |
| JOHN L. WOOD3 | 1112 ALBERT SALINA, KS 67401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $57 | — | $57 | 5.43% |
| JOHN L. WOOD3 | 1112 ALBERT SALINA, KS 67401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $61 | — | $61 | 8.82% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $25K |
| Long-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $78K |
| Other(5 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.