| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELIZABETH SCHENK3 | 6211 GREATWATER DR WINDERMERE, FL 34786 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $305K | $23K | $328K | 10.75% |
| ELIZABETH SCHENK3 | 6211 GREATWATER DR WINDERMERE, FL 34786 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | $4K | $34K | 5.75% |
| ELIZABETH SCHENK3 | 6211 GREATWATER DR WINDERMERE, FL 34786 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | $4K | $30K | 5.75% |
| ELIZABETH SCHENK3 | 6211 GREATWATER DR WINDERMERE, FL 34786 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $72K | $4K | $76K | 15.75% |
| ELIZABETH SCHENK3 | 6211 GREATWATER DR WINDERMERE, FL 34786 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.81% |
| BENETEK CORPORATION3 | 4725 WEST SAND LAKE RD, STE 300 ORLANDO, FL 32819 | EYEMED VISION CARE | $29K | $0 | $29K | 8.21% |
| ELIZABETH ATKINSON SCHENK3 | 6211 GREATWATER DR WINDERMERE, FL 34786 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $35K | $0 | $35K | 12.00% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 WEST SAND LAKE ROAD ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 3.00% |
| ELIZABETH ATKINSON SCHENK3 | 6211 GREATWATER DR WINDERMERE, FL 34786 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $29K | $0 | $29K | 12.00% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 WEST SAND LAKE ROAD STE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 3.00% |
| WEB BENEFITS DESIGN CORPORATION3 Filed as: WEB BENEFITS DESIGN | 4725 WEST SAND LAKE ROAD ORLANDO, FL 32819 | UNITED BEHAVIORAL HEALTH | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $2.0M |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 ADMIN SERVICE PROVIDER | Insurance services Service code 23 | — | $89K |
| ELIZABETH SCHENK EIN 42-8233113 BROKER | Insurance agents and brokers Service code 22 | — | $9K |
| 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 | 4,613 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,613 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,677 | $1.1M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,119 | $480K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,133 | $3.1M |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 4,620 | $298K |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,677 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,660 | — |
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.