| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $242K | — | $242K | 13.18% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP INC. | 5775 E GLENRIDGE DRIVE SUITE 500 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $77K | — | $77K | 4.17% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | PORTLAND OREGON 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $62K | — | $62K | 3.37% |
| PETER J MACE3 Filed as: PETER J. MACE | 5775 E. GLENRIDGE DRIVE SUITE 500 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $38K | — | $38K | 2.07% |
| SHERRILL H. JACKSON JR.3 | 16 MAGNOLIA CROSSING SAVANNAH, GA 31411 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23K | — | $23K | 1.23% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING CO. | 1300 SW 5TH AVENUE SUITE 500 PORTLAND, OR 97201 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 0.23% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES LLC | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 0.37% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES LLC | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $65K | $6K | $71K | 5.67% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES LLC | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $639 | $639 | 0.63% |
| PETER J MACE3 | 5775 E GLENRIDGE DRIVE SUITE 500 ATLANTA, GA 30328 | FIRST UNUM LIFE INSURANCE COMPANY | $747 | — | $747 | 23.78% |
| PETER J MACE3 | 5775 E GLENRIDGE DRIVE SUITE 500 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 2.89% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP INC. | 5775 E GLENRIDGE DRIVE SUITE 500 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 1.56% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $16 | $16 | — |
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 | 7,666 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,696 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KEYSTONE HEALTH PLAN CENTRAL | 1 | $30K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 10,062 | $381K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 9,219 | $1.6M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 9,219 | $1.3M |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 1 | $10K |
| Other(5 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 9,219 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,062 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.