| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH A APPELBAUM3 Filed as: JOSEPH W BUYALOS JR | 751 ROCKVILLE PIKE SUITE 1A ROCKVILLE, MD 20852 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $46K | — | $46K | 10.00% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | $3K | $31K | 11.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 9713 KEY WEST AVENUE SUITE 401 ROCKVILLE, MD 20874 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $45 | $8K | 2.87% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH STREET SOUTH SUITE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 2.28% |
| JOSEPH A APPELBAUM3 Filed as: JOSEPH W BUYALOS JR | 751 ROCKVILLE PIKE SUITE 1A ROCKVILLE, MD 20852 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 10.00% |
| JOSEPH A APPELBAUM3 Filed as: JOSEPH W BUYALOS JR | 751 ROCKVILLE PIKE SUITE 1A ROCKVILLE, ME 20852 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 10.00% |
| EMPLOYEE FAMILY PROTECTION INC3 | 120 8TH STREET S SUITE 102 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $28K | $3K | $31K | 22.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 9713 KEY WEST AVENUE SUITE 401 ROCKVILLE, MD 20874 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $34 | $6K | 3.99% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 6830 COCHRAN ROAD SOLON, OH 44139 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 1.04% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH STREET SOUTH SUITE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.88% |
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 | 2,439 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,439 | $456K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 392 | $155K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,439 | $456K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,439 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,439 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.