| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIRECTPATH, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $903K | $123K | $1.0M | 38.07% |
| DIRECTPATH, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $206K | $26K | $232K | 38.29% |
| DIRECTPATH, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | FIRST UNUM LIFE INSURANCE COMPANY | $98K | — | $98K | 47.61% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | HARTFORD LIFE AND ACCIDENT | $333 | — | $333 | 14.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 PROVIDES CLAIM ADMIN | Non-monetary compensation; Float revenue; Participant communication; Direct payment from the plan; Named fiduciary; Claims processing; Contract Administrator; Other services Service code 12 | 280 TRUMBELL STREET HARTFORD, CT 06103 | $6.8M |
| LIBERTY LIFE ASSURANCE COMPANY OF B EIN 04-6076039 STD ASO | Contract Administrator; Insurance services; Claims processing Service code 12 | 141 CONGRESS STREET BOSTON, MA 02110 | $774K |
| DENTAL SERVICE OF MASSACHUSETTS INC EIN 04-6143185 DENTAL ADMIN | Claims processing Service code 12 | 465 MEDFORD STREET BOSTON, MA 02129 | $333K |
| STRATEGIC BENEFIT ADVISORS EIN 27-4732361 CONSULTANT | Consulting (general) Service code 16 | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | $6K |
| CIGNA HEALTH AND LIFE INSURANCE CO | Other services; Named fiduciary; Direct payment from the plan; Contract Administrator; Claims processing; Non-monetary compensation; Float revenue; Sub-transfer agency fees; Participant communication Service code 12 | — | $0 |
| CIGNA LIFE AND HEALTH INSURANCE CO. | Participant communication; Named fiduciary; Other services; Non-monetary compensation; Claims processing; Contract Administrator; Float revenue; Direct payment from the plan Service code 12 | — | $0 |
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 | 8,159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 138 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 8,297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 14,029 | $2.3M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,116 | $736K |
| Other(6 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 14,029 | $5.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,029 | — |
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.