| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXPERINS, LLC3 Filed as: EXPERINS | 11211 TAYLOR DRAPER LANE AUSTIN, TX 78759 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 0.65% |
| EXPERINS, LLC3 Filed as: EXPERINS | 8200 NORTH MOPAC EXPRESSWAY AUSTIN, TX 78759 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $239 | $239 | 0.10% |
| EXPERINS, LLC3 Filed as: EXPERINS | 11211 TAYLOR DRAPER LANE AUSTIN, TX 78759 | UNUM INSURANCE COMPANY | $25K | $1K | $27K | 15.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 1.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | $0 | $508 | $508 | 0.29% |
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 | 426 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 426 | $248K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 426 | $248K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 426 | $248K |
| Other | UNUM INSURANCE COMPANY | 183 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 426 | — |
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.