| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRUCE CROHN LLC3 Filed as: BRUCE HARRIS | — | UNIMERICA INSURANCE COMPANY | $74K | $0 | $74K | 25.62% |
| SIGNIFICA BENEFIT SERVICES, INC.5 | — | UNIMERICA INSURANCE COMPANY | $17K | $0 | $17K | 5.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SIGNIFICA BENEFIT SERVICES, INC. EIN 23-2504308 THIRD PARTY ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $227K |
| INDEPENDENT FIDUCIARY SERVICES LLC. EIN 82-2870895 TRUSTEE | Direct payment from the plan; Trustee (directed) Service code 25 | — | $54K |
| CITRIN COOPERMAN & COMPANY, LLP EIN 22-2428965 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $15K |
| CITRIN COOPERMAN ADVISORS LLC EIN 87-2525370 TAX RETURN PREPARER | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $6K |
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 | 300 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 304 | $52K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 304 | $52K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 299 | $291K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 304 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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.