| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 0.83% |
| THE EQUINOX AGENCY LLC3 Filed as: THE EQUINOX AGENCY, LLC | 402 STATE AVENUE EMMAUS, PA 18049 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $822 | $134 | $956 | 0.28% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN AND ASSOCIATES | 1800 ROUTE 34, BUILDING 4 SUITE 404A WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $382 | $0 | $382 | 0.11% |
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 | 487 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 489 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 408 | $369K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 367 | $57K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 462 | $338K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 462 | $338K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 462 | $338K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 462 | $338K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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."
No prospect flags tripped on this filing.