| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | AON COMPANY 1 N WHITE HORSE PIKE #2 HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.75% |
| DUDUM FINANCIAL AND INSURANCE SERVI3 Filed as: DUDUM FINANCIAL & INSURANCE SVCS | INC. 3505 MT. DIABLO BLVD LAFAYETTE, CA 94549 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $309 | — | $309 | 1.05% |
| JO ANN PANTALONE3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $62 | — | $62 | 0.21% |
| COTERIE ADVISORY GROUP3 | 7878 N.16TH ST. SUITE 180 PHOENIX, AZ 85020 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $418 | $2K | $2K | 17.66% |
| KEITH DUDUM3 | 3505 MT. DIABLO BLVD LAFAYETTE, CA 94549 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $839 | $216 | $1K | 8.26% |
| STEVE SIMS3 | 7322 DANASHIRE AVENUE DALLAS, TX 75231 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $419 | $108 | $527 | 4.13% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | 35 | $13K |
| Life insurance | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | 35 | $13K |
| Short-term disability | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | 35 | $13K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 81 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 81 | — |
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.