Unum Group
Updated Filing received by DOL
Unum Group, a finance & insurance employer in Portland, Maine, reported 9,382 participants in its health and welfare plans for plan year 2024. Its Form 5500 shows 12 insurance contracts with no premium reported and $49,402 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on October 3, 2025, within the extension window.
Who was paid on Unum Group's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Unum Group filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| David C Reid LLC · Edgefield, SC | $21,847 | $0 | $21,847 | 1 |
| James R McComb · Columbia, SC | $5,875 | $0 | $5,875 | 1 |
| Kimberly Ann Sharpe · Irmo, SC | $5,203 | $5 | $5,208 | 1 |
| Emily Porreca · Woodstock, GA | $3,615 | $0 | $3,615 | 2 |
| Advanced Benefit System Inc · Daniel Island, SC | $2,873 | $15 | $2,888 | 1 |
| The Clark Group of SC · Laurens, SC | $2,035 | $45 | $2,080 | 1 |
| The Adamson Group Inc · Chapin, SC | $778 | $0 | $778 | 1 |
| Tran B Huyen-Keodara · Lexington, SC | $708 | $0 | $708 | 1 |
| Maynard Benefits GRP Inc · Little River, SC | $606 | $0 | $606 | 1 |
| Benefits at Work LLC · Columbia, SC | $559 | $0 | $559 | 1 |
| Chambers Agency LLC · Simpsonville, SC | $452 | $0 | $452 | 1 |
| Stacie Emerson Bartlett · Lexington, SC | $358 | $0 | $358 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Unum Insurance Companycoverage not coded | 3,756 | — | — | — |
| Zurich American Insurance Companycoverage not coded | 9,425 | — | — | — |
| Colonial Life & Accident Insurance Companylife, short-term disability, indemnity | 704 | — | $49,353 | — |
| The Paul Revere Life Insurance Companycoverage not coded | 7 | — | $49 | — |
| Unum Life Insurance Company of Americacoverage not coded | 9,400 | — | — | — |
| United Behavioral Health dba Optumcoverage not coded | 9,425 | — | — | — |
| Starmount Life Insurance Companyvision | 6,744 | — | — | — |
| Unum Life Insurance Company of Americacoverage not coded | 9,399 | — | — | — |
| Unum Insurance Companycoverage not coded | 2,719 | — | — | — |
| Unum Insurance Companycoverage not coded | 2,721 | — | — | — |
| Unum Life Insurance Company of Americalife | 1,680 | — | — | — |
| Provident Life and Accident Insurance Companylife | 843 | — | — | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Unum Group compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 9,640 | 9,382 | −2.7% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $63,351 | $49,402 | −22.0% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Unum Group Welfare Benefits Plan#505 · insurance, general assets | December 31, 2024 | October 3, 2025 | within extension | 9,382 |
| Unum Group Retiree Benefits Plan#514 · insurance, general assets | December 31, 2024 | October 3, 2025 | within extension | 3,746 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Unum Group pay in health insurance broker commissions in 2024?
Unum Group's 2024 Form 5500 reports $49,402 in broker commissions and fees across 12 insurance contracts ($49,337 in commissions, $65 in fees), with David C Reid LLC receiving the largest share.
Is Unum Group's health plan self-funded or fully insured?
The 2024 filing indicates the plan is self-funded (the employer pays claims itself).
How does Unum Group's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Unum Group because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 5,000+ participants that disclosed broker pay reported a median of $458,262.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.