| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE Filed as: GOLDEN & COHEN, LLC | 704 QUINCE ORCHARD RD STE 200 GAITHERSBURG, MD 20878 | UNITEDHEALTHCARE INSURANCE COMPANY | $41K | — | $41K | 3.71% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN, LLC | 4740 CORRIDOR PLACE, STE B BELTSVILLE, MD 20705 | UNUM LIFE INSURANCE CO OF AMERICA | $8K | — | $8K | 7.49% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN, LLC | 4740 CORRIDOR PLACE, STE B BELTSVILLE, MD 20705 | UNUM LIFE INSURANCE CO OF AMERICA | — | $2K | $2K | 1.75% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN, LLC | 4740 CORRIDOR PLACE, STE B BELTSVILLE, MD 20705 | UNUM LIFE INSURANCE CO OF AMERICA | $3K | — | $3K | 3.70% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE CO OF AMERICA | $2K | — | $2K | 2.69% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE CO OF AMERICA | — | $526 | $526 | 0.76% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | UNUM LIFE INSURANCE CO OF AMERICA | — | $49 | $49 | 0.07% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN, LLC | 704 QUINCE ORCHARD RD STE 250 GAITHERSBURG, MD 20878 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 9.16% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN, LLC | 4740 CORRIDOR PLACE, STE B BELTSVILLE, MD 20705 | UNUM LIFE INSURANCE CO OF AMERICA | $6K | — | $6K | 15.00% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN, LLC | 4740 CORRIDOR PLACE, STE B BELTSVILLE, MD 20705 | UNUM LIFE INSURANCE CO OF AMERICA | — | $709 | $709 | 1.75% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN, LLC | 704 QUINCE ORCHARD RD, SUITE 200 GAITHERSBURG, MD 20878 | VISION SERVICE PLAN | $945 | — | $945 | 6.10% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN, LLC | 4740 CORRIDOR PLACE, STE B BELTSVILLE, MD 20705 | UNUM LIFE INSURANCE CO OF AMERICA | $1K | — | $1K | 12.82% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN, LLC | 4740 CORRIDOR PLACE, STE B BELTSVILLE, MD 20705 | UNUM LIFE INSURANCE CO OF AMERICA | — | $143 | $143 | 1.75% |
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 | 293 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 115 | $1.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 182 | $68K |
| Vision | VISION SERVICE PLAN | 137 | $15K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE CO OF AMERICA | 293 | $221K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE CO OF AMERICA | 293 | $120K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE CO OF AMERICA | 293 | $120K |
| Other | UNUM LIFE INSURANCE CO OF AMERICA | 271 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.