| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRANITE GROUP BENEFITS, LLC3 Filed as: GRANITE GROUP BENEFITS | AN ALERA GROUP AGENCY 183 ROCKINGHAM RD 2 EAST WINDHAM, NH 03087 | UNUM INSURANCE COMPANY | $323 | $34 | $357 | 1.53% |
| GRANITE GROUP BENEFITS, LLC3 Filed as: GRANITE GROUP BENEFITS | AN ALERA GROUP AGENCY 183 ROCKINGHAM RD 2 EAST WINDHAM, NH 03087 | UNUM INSURANCE COMPANY | $129 | $10 | $139 | 0.66% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14605 | UNUM INSURANCE COMPANY | $56 | $14 | $70 | 0.33% |
| GRANITE GROUP BENEFITS, LLC3 Filed as: GRANITE GROUP BENEFITS | AN ALERA GROUP AGENCY 183 ROCKINGHAM RD 2 EAST WINDHAM, NH 03087 | UNUM INSURANCE COMPANY | $241 | $27 | $268 | 1.49% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $59 | — | $59 | 2.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NE INC | 300 AIRBORNE PARKWAY STE 208 BUFFALO, NY 14225 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29 | — | $29 | 1.38% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH THOMAS CHRISTOPHER | PO BOX 40386 798 BERRY RD NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18 | — | $18 | 0.86% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | ONE WORLD FINANCIAL CTR 6TH FL 200 LIBERTY ST NEW YORK, NY 10281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3 | — | $3 | 0.14% |
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 | 704 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 704 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 117 | $30K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10 | $2K |
| Other(4 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 103 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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."
No prospect flags tripped on this filing.