| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID HARRIS ASBURY3 | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 30326 | AETNA HEALTH, INC. | $70K | — | $70K | 3.59% |
| DAVID HARRIS ASBURY3 | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 30326 | AETNA LIFE INSURANCE CO. | $69K | — | $69K | 5.55% |
| DAVID HARRIS ASBURY3 | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 30326 | AETNA HEALTH, INC. | $6K | — | $6K | 3.91% |
| DAVID HARRIS ASBURY3 | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 30326 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 4.35% |
| DAVID HARRIS ASBURY3 Filed as: DAVID H ASBURY | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 30326 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.76% |
| PROFESSIONAL PENSION INC.3 Filed as: PROFESSIONAL PENSION AND BENEFIT | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $181 | — | $181 | 0.30% |
| PHILLIP PORTER GOODRUM3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 13.44% |
| DAVID HARRIS ASBURY3 | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 30326 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.02% |
| BENEFITS EXCHANGE ALLIANCE3 Filed as: BENEFITS EXCHANGE ALLIANCE INC. | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.62% |
| THOMAS CHRISTOPHER SMITH2 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $618 | $9 | $627 | 1.31% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | ATTN PHILLIP GOODRUM 4400 PARK DR. STE. 307 CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $276 | $276 | 0.58% |
| DAVID HARRIS ASBURY3 Filed as: DAVID H. ASBURY | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 30326 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 9.98% |
| PHILLIP PORTER GOODRUM3 | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 42.86% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | ATTN PHILLIP GOODRUM 4400 PARK RD. STE. 307 CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $370 | $4K | 22.14% |
| DAVID HARRIS ASBURY3 | PHIPPS TOWER SUITE 1100 3438 PEACHTREE RD. ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 18.37% |
| MARSH & MCLENNAN AGENCY LLC2 Filed as: NORTHWESTERN BENEFITS CORP OF GA | PHIPPS TOWER SUITE 1100 3438 PEACHTREE RD. ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 8.63% |
| DAVID ASBURY3 | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 30326 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.00% |
No Schedule C service providers reported on this filing.
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 | 854 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 857 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AETNA LIFE INSURANCE CO. | 538 | $1.3M |
| Dental(2 contracts) | AETNA LIFE INSURANCE CO. | 538 | $1.3M |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 256 | $70K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 85 | $60K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 85 | $60K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 319 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 538 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.