| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DUDUM FINANCIAL AND INSURANCE SERVI3 Filed as: DUDUM FINANCIAL & INSURANCE SVCS | 3505 MT. DIABLO BLVD LAFAYETTE, CA 94549 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $1K | $6K | 6.03% |
| STEVE SIMS3 | 7322 DANASHIRE AVENUE DALLAS, TX 75231 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $613 | $3K | 3.00% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | AON COMPANY N WHITE HORSE PIKE HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 4.89% |
| 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 | $1K | — | $1K | 5.43% |
| 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 | $573 | — | $573 | 2.22% |
| JO ANN PANTALONE3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $61 | — | $61 | 0.24% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | AON COMPANY 1 N WHITE HORSE PIKE #2 HAMMONTON, NJ 08037 | FIRST UNUM LIFE INSURANCE COMPANY | $238 | — | $238 | 4.77% |
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 | 108 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 108 | $33K |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 108 | $33K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 68 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.