| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELIZABETH SCHENK3 | 6211 GREATWATER DR WINDERMERE, FL 34786 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $261K | $20K | $280K | 9.81% |
| ELIZABETH SCHENK3 | 6211 GREATWATER DR WINDERMERE, FL 34786 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | $4K | $31K | 5.27% |
| ELIZABETH SCHENK3 | 6211 GREATWATER DR WINDERMERE, FL 34786 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $3K | $26K | 5.24% |
| ELIZABETH SCHENK3 | 6211 GREATWATER DR WINDERMERE, FL 34786 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $53K | $3K | $56K | 14.42% |
| WEB BENEFITS DESIGN CORPORATION3 Filed as: WEB BENEFITS DESIGN | 4725 WEST SAND LAKE ROAD ORLANDO, FL 32819 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $0 | $18K | 5.00% |
| ELIZABETH SCHENK3 | 6211 GREATWATER DR WINDERMERE, FL 34786 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.12% |
| ELIZABETH ATKINSON SCHENK3 | 6211 GREATWATER DR WINDERMERE, FL 34786 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $29K | $0 | $29K | 12.00% |
| WEB BENEFITS DESIGN CORPORATION5 | P.O. BOX 1568 WINDERMERE, FL 34786 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $10K | $10K | 3.99% |
| ELIZABETH ATKINSON SCHENK3 | 6211 GREATWATER DR WINDERMERE, FL 34786 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $27K | $0 | $27K | 12.00% |
| WEB BENEFITS DESIGN CORPORATION5 | P.O. BOX 1568 WINDERMERE, FL 34786 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $1.5M |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 ADMIN SERVICE PROVIDER | Insurance services Service code 23 | — | $90K |
| ELIZABETH SCHENK EIN 42-8233113 BROKER | Insurance agents and brokers Service code 22 | — | $8K |
| WEB BENEFITS DESIGN EIN 42-8233113 BROKER | Other commissions Service code 55 | — | $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 | 4,534 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,534 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 5,400 | $351K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,599 | $1.1M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,059 | $387K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,193 | $2.9M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,599 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,400 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.