| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOME LOAN & INVESTMENT COMPANY3 Filed as: HOME LOAN & INVESTMENT CO | 205 N 4TH ST GRAND JUNCTION, CO 81501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 1.84% |
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFITS CONSORTIUM | 11755 E PEAKVIEW AVE SUITE 250 ENGLEWOOD, CO 80111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 1.84% |
| NYLIFE SECURITIES LLC3 Filed as: NYLIFE SECURITIES LLC ATTN M BADLU | 51 MADISON AVE ROOM 606 NEW YORK, NY 10010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.38% |
| HOME LOAN & INVESTMENT COMPANY3 Filed as: HOME LOAN & INVESTMENT CO | 205 N 4TH ST GRAND JUNCTION, CO 81501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 7.50% |
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFITS CONSORTIUM | 11755 E PEAKVIEW AVE SUITE 250 ENGLEWOOD, CO 80111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 7.50% |
| NYLIFE SECURITIES LLC3 Filed as: NYLIFE SECURITIES LLC ATTN M BADLU | 51 MADISON AVE ROOM 606 NEW YORK, NY 10010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $284 | $284 | 0.38% |
| HOME LOAN & INVESTMENT COMPANY3 Filed as: HOME LOAN & INVESTMENT CO | 205 N 4TH ST GRAND JUNCTION, CO 80501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.51% |
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFITS CONSORTIUM | 11755 E PEAKVIEW AVE SUITE 250 ENGLEWOOD, CO 80111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.51% |
| NYLIFE SECURITIES LLC3 Filed as: NYLIFE SECURITIES LLC ATTN M BADLU | 51 MADISON AVE ROOM 606 NEW YORK, NY 10010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $144 | $144 | 0.37% |
| HOME LOAN & INVESTMENT COMPANY3 Filed as: HOME LOAN & INVESTMENT CO | 205 N 4TH ST GRAND JUNCTION, CO 81501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 10.00% |
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFITS CONSORTIUM | 11755 E PEAKVIEW AVE SUITE 250 ENGLEWOOD, CO 80111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 10.00% |
| NYLIFE SECURITIES LLC3 Filed as: NYLIFE SECURITIES LLC ATTN M BADLU | 51 MADISON AVE ROOM 606 NEW YORK, CO 10010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $86 | $86 | 0.26% |
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 | 680 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 680 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 668 | $555K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 668 | $479K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 668 | $518K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 668 | $588K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 668 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.