| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | EB COMMISSION P O BOX 896620 CHARLOTTE, NC 28289 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $880 | $6K | 8.71% |
| BENEUSA LLC3 | 1851 LAKE DRIVE WEST SUITE 350 CHANHASSEN, MN 55317 | USABLE LIFE | $3K | — | $3K | 5.00% |
| CORPORATE FINANCIAL INC3 Filed as: CORPORATE FINANCIAL SERVICES INC | 401 N MAIN STREET STE #2 AUSTIN, MN 55912 | USABLE LIFE | $3K | — | $3K | 3.90% |
| MCGRIFF INSURANCE SERVICES INC3 | 3201 BEECHLEAF CT SUITE 200 RALEIGH, NC 27604 | USABLE LIFE | $62 | — | $62 | 0.10% |
| CORPORATE FINANCIAL INC3 Filed as: CORPORATE FINANCIAL SERVICES INC | 401 N MAIN STREET SUITE 2 AUSTIN, MN 55912 | USABLE LIFE | $4K | — | $4K | 11.56% |
| BENEUSA LLC3 | 1851 LAKE DRIVE WEST SUITE 350 CHANHASSEN, MN 55317 | USABLE LIFE | $2K | — | $2K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 3201 BEECHLEAF CT SUITE 200 RALEIGH, NC 27604 | USABLE LIFE | $1K | — | $1K | 3.44% |
| MCGRIFF INSURANCE SERVICES INC3 | EB COMMISSION P O BOX 896620 CHARLOTTE, NC 28289 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $366 | $4K | 13.08% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | USABLE LIFE | 1,385 | $96K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 821 | $100K |
| Other(3 contracts, 2 carriers) | USABLE LIFE | 1,385 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,385 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.