| 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 | $640K | $85K | $726K | 24.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $9K | $9K | 0.69% |
| DIRECTPATH, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $332K | $39K | $371K | 38.89% |
| DIRECTPATH, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | FIRST UNUM LIFE INSURANCE COMPANY | $78K | $2K | $80K | 30.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | DBA STRATEGIC BENEFIT ADVISORS 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; Other services; Participant communication; Claims processing; Direct payment from the plan; Contract Administrator; Float revenue; Named fiduciary Service code 12 | 280 TRUMBULL STREET HARTFORD, CT 06103 | $5.6M |
| LIBERTY LIFE ASSURANCE COMPANY OF B EIN 04-6076039 LEAVE SERVICES ASO | Insurance services; Contract Administrator; Claims processing Service code 12 | 141 CONGRESS STREET BOSTON, MA 02110 | $761K |
| DENTAL SERVICE OF MASSACHUSETTS INC EIN 04-6143185 DENTAL ADMIN | Claims processing Service code 12 | 465 MEDFORD ST BOSTON, MA 02129 | $312K |
| CIGNA | Other services; Named fiduciary; Direct payment from the plan; Contract Administrator; Investment management fees paid indirectly by plan; Claims processing; Non-monetary compensation; Float revenue; Participant communication Service code 12 | — | $4K |
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 | 7,715 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 88 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,803 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 13,901 | $2.3M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,033 | $731K |
| Other(6 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 13,901 | $6.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,901 | — |
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.