| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELIZABETH SCHENK3 | 6211 GREATWATER DR WINDERMERE, FL 34786 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $279K | $21K | $300K | 10.75% |
| ELIZABETH SCHENK3 | 6211 GREATWATER DR WINDERMERE, FL 34786 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | $4K | $34K | 5.75% |
| ELIZABETH SCHENK3 | 6211 GREATWATER DR WINDERMERE, FL 34786 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $60K | $3K | $63K | 15.75% |
| ELIZABETH SCHENK3 | 6211 GREATWATER DR WINDERMERE, FL 34786 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $3K | $22K | 5.75% |
| ELIZABETH SCHENK3 | 6211 GREATWATER DR WINDERMERE, FL 34786 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $122K | $658 | $122K | 35.29% |
| ELIZABETH SCHENK3 | 6211 GREATWATER DR WINDERMERE, FL 34786 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 ADMIN SERVICE PROVIDER | Insurance services Service code 23 | — | $84K |
| ELIZABETH SCHENK EIN 42-8233113 BROKER | Insurance agents and brokers Service code 22 | — | $0 |
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 | 4,037 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,037 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,117 | $979K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,012 | $398K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,916 | $2.8M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,117 | $990K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,117 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.