| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MYRIAD FINANCIAL SVICS OF VA LLC3 | 250 WYLDEROSE CMNS STE 206 MIDLOTHIAN, VA 23113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $0 | $22K | 14.38% |
| JET EMPLOYEE BENEFITS3 | 153 E FLAGLER ST STE 228 MIAMI, FL 33131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 5.75% |
| MYRIAD FINANCIAL SVICS OF VA LLC3 | 250 WYLDEROSE CMNS SUITE 206 MIDLOTHIAN, VA 23113 | STARMOUNT LIFE INSURANCE COMPANY | $8K | $0 | $8K | 9.53% |
| JET EMPLOYEE BENEFITS3 | 153 E FLAGLER ST STE 228 MIAMI, FL 33131 | STARMOUNT LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.72% |
| MYRIAD FINANCIAL SVICS OF VA LLC3 | 250 WYLDEROSE CMNS STE 206 MIDLOTHIAN, VA 23113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 14.40% |
| JET EMPLOYEE BENEFITS3 | 153 E FLAGLER ST STE 228 MIAMI, FL 33131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 5.76% |
| MYRIAD FINANCIAL SVICS OF VA LLC3 | 250 WYLDEROSE CMNS STE 206 MIDLOTHIAN, VA 23113 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 7.65% |
| JET EMPLOYEE BENEFITS3 | 153 E FLAGLER ST STE 228 MIAMI, FL 33131 | UNUM INSURANCE COMPANY | $1K | $0 | $1K | 5.10% |
| MYRIAD FINANCIAL SVICS OF VA LLC3 | 250 WYLDEROSE CMNS STE 206 MIDLOTHIAN, VA 23113 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 7.67% |
| JET EMPLOYEE BENEFITS3 | 153 E FLAGLER ST STE 228 MIAMI, FL 33131 | UNUM INSURANCE COMPANY | $1K | $0 | $1K | 5.12% |
| MYRIAD FINANCIAL SVICS OF VA LLC3 | 250 WYLDEROSE CMNS STE 206 MIDLOTHIAN, VA 23113 | UNUM INSURANCE COMPANY | $867 | $0 | $867 | 7.81% |
| JET EMPLOYEE BENEFITS3 | 153 E FLAGLER ST STE 228 MIAMI, FL 33131 | UNUM INSURANCE COMPANY | $578 | $0 | $578 | 5.21% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 150 | $84K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 150 | $84K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 179 | $204K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 179 | $152K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 179 | $152K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 179 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.