| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOCK & BOARDMAN FINANCIAL PL | 346 SHELBURNE RD BURLINGTON, VT 05401 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $149K | — | $149K | 10.10% |
| PROSENTIAL BENEFITS LLC Filed as: PROSENTIAL GROUP LLC | 40 TIOGA WAY MARBLEHEAD, MA 01945 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| ACRISURE LLC | 346 SHELBURNE RD BURLINGTON, VT 05401 | UNUM LIFE INSURANCE | $10K | $8K | $17K | 2.43% |
| PROSENTIAL BENEFITS LLC Filed as: PROSENTIAL GROUP LLC | — | UNUM LIFE INSURANCE | — | — | $0 | 0.00% |
| ACRISURE LLC3 | 346 SHELBURNE RD BURLINGTON, VT 05401 | UNUM LIFE INSURANCE | $55K | $5K | $59K | 15.87% |
| PROSENTIAL BENEFITS LLC Filed as: PROSENTIAL GROUP LLC | — | UNUM LIFE INSURANCE | — | — | $0 | 0.00% |
| HICKOK & BOARDMAN FINANCIAL Filed as: HICKOCK & BOARDMAN FINANCIAL PL | PO BOX 1064 BURLINGTON, VT 05401 | VISION SERVICE PLAN | $5K | — | $5K | 1.53% |
| HODGES-MACE BENEFITS GRP INC Filed as: HODGES-MACE BENEFITS GROUP | 3350 RIVERWOOD PARKWAY ATLANTA, GA 30339 | UNUM LIFE INSURANCE | $35K | $6K | $41K | 75.12% |
| HICKOK & BOARDMAN FINANCIAL Filed as: HICKOK & BOARDMAN | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 9.12% |
| HODGES-MACE BENEFITS GRP INC Filed as: HODGES-MACE BENEFITS GROUP | 3350 RIVERWOOD PARKWAY ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $1K | $11K | 81.66% |
| HODGES-MACE BENEFITS GRP INC Filed as: HODGES-MACE BENEFITS GROUP | 3350 RIVERWOOD PARKWAY ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 14.27% |
| HICKOK & BOARDMAN FINANCIAL Filed as: HICKOCK & BOARDMAN FINANCIAL PL | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $213 | — | $213 | 9.91% |
| ACRISURE LLC | 346 SHELBURNE RD BURLINGTON, VT 05401 | UNUM LIFE INSURANCE | $180 | $15 | $195 | 17.20% |
| HODGES-MACE BENEFITS GRP INC Filed as: HODGES-MACE BENEFITS GROUP | 3350 RIVERWOOD PARKWAY ATLANTA, GA 30339 | UNUM LIFE INSURANCE | $18 | — | $18 | 81.82% |
| HICKOK & BOARDMAN FINANCIAL Filed as: HICKOCK & BOARDMAN FINANCIAL PL | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 | Named fiduciary; Direct payment from the plan; Participant communication; Other services; Float revenue; Contract Administrator; Non-monetary compensation; Claims processing Service code 12 | — | $1.1M |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 | Contract Administrator Service code 13 | — | $20K |
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 | 1,594 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,594 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3 | $48K |
| Vision | VISION SERVICE PLAN | 1,225 | $319K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE | 1,410 | $1.1M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE | 1,410 | $722K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,792 | $1.5M |
| Other(9 contracts, 4 carriers) | UNUM LIFE INSURANCE | 1,410 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,792 | — |
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.