| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRUCE CROHN LLC6 Filed as: BRUCE HARRIS | 11416 ROYALSHIRE DRIVE #100 DALLAS, TX 75230 | UNIMERICA INSURANCE COMPANY | $77K | $0 | $77K | 25.48% |
| SIGNIFICA BENEFIT SERVICES, INC.3 | P.O. BOX 7777 LANCASTER, PA 176047777 | UNIMERICA INSURANCE COMPANY | $18K | $0 | $18K | 5.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INDEPENDENT FIDUCIARY SERVICES LLC. EIN 82-2870895 TRUSTEE | Trustee (individual); Direct payment from the plan Service code 20 | 8460 TYCO ROAD SUITE E VIENNA, VA 22182 | $54K |
| CITRIN, COOPERMAN & COMPANY, LLP EIN 22-2428965 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | 2 BETHESDA METRO CENTER, 11TH FLOOR BETHESDA, MD 20184 | $18K |
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 | 304 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITEDHEALTHCARE INSURANCE COMAPANY | 293 | $50K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMAPANY | 293 | $50K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 286 | $301K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMAPANY | 293 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.