| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY LEVINE & ASSOCIATES LIMITED3 | 445 BROADHOLLOW ROAD MELVILLE, NY 11747 | AETNA LIFE INSURANCE COMPANY | $46K | $192K | $239K | 4.62% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | THE EMPIRE STATE BUILDING NEW YORK, NY 10118 | AETNA LIFE INSURANCE COMPANY | $48K | $0 | $48K | 0.93% |
| GARY LEVINE & ASSOCIATES LIMITED3 | 445 BROADHOLLOW ROAD, SUITE 119 MELVILLE, NY 11747 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $46K | $10K | $57K | 14.24% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $5K | $28K | 7.13% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP, LLC | 1439 STUART ENGALS BOULEVARD SUITE 300 MOUNT PLEASANT, SC 29464 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | -$5K | -$5K | -1.30% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT PARK, SUITE 510 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | -$10K | -$8K | -2.12% |
| GARY LEVINE & ASSOCIATES LIMITED3 | 445 BROADHOLLOW ROAD, SUITE 119 MELVILLE, NY 11747 | UNUM INSURANCE COMPANY | $4K | $0 | $4K | 8.25% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT PARK, SUITE 510 CHARLOTTE, NC 28210 | UNUM INSURANCE COMPANY | $3K | $884 | $4K | 8.12% |
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 |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 1,203 | $5.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,203 | $5.2M |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,203 | $5.2M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,088 | $398K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,088 | $398K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,088 | $398K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 1,203 | $5.2M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,088 | $450K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,203 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.