| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS W BOSTON5 Filed as: THOMAS COOPER & CO. | P.O. BOX 22557 CHARLESTON, SC 29401 | UNIMERICA INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THOMAS COOPER & COMPANY EIN 57-1032566 | Custodial (securities); Claims processing Service code 12 | P.O. BOX 22557 CHARLESTON, SC 29401 | $42K |
| BB&T INSURANCE SERVICES, INC. EIN 56-1623293 | Insurance brokerage commissions and fees Service code 53 | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | $18K |
| AETNA BEHAVIORAL HEALTH, LLC | Other services Service code 49 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $5K |
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 | 172 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIMERICA INSURANCE COMPANY | 175 | $147K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 175 | $147K |
| Other | UNIMERICA INSURANCE COMPANY | 175 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.