| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELIZABETH SCHENK3 | 6211 GREATWATER DR WINDERMERE, FL 34786 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $194K | $0 | $194K | 9.20% |
| ELIZABETH SCHENK3 | 6211 GREATWATER DR WINDERMERE, FL 34786 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 4.60% |
| ELIZABETH A SCHENK3 Filed as: ELIZABETH A. SCHENK | PO BOX 1568 WINDERMERE, FL 34786 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | $0 | $29K | 17.76% |
| ELIZABETH A SCHENK3 Filed as: ELIZABETH A. SCHENK | PO BOX 1568 WINDERMERE, FL 34786 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $0 | $21K | 18.32% |
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 | 3,282 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,282 | $314K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,391 | $2.1M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,282 | $625K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,282 | — |
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.