| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENTRA LLC Filed as: PENTRA, LLC | 920 CASSATT ROAD STE 202 BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $53K | $18K | $71K | 6.75% |
| BENEFIT ADVISORS NETWORK LLC Filed as: BENEFIT ADVISORS NETWORK | 6830 COCHRAN ROAD SOLON, OH 44139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BELMONT, A DIV OF GALLACH | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16K | $14K | $30K | 15.18% |
| NFP INSURANCE SERVICES INC Filed as: MANAGEMENT COMPENSATION GROUP/SOUTH | STE 1304 40 WALL STREET NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20K | $4K | $24K | 12.18% |
| NFP INSURANCE SERVICES INC Filed as: MANAGEMENT COMPENSATION GROUP/SOUTH | 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $21K | $21K | 10.65% |
| NFP INSURANCE SERVICES INC | BLDG 2 STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $15K | $15K | 7.75% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF ROAD 11TH FLOOR ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 3.23% |
| MID AMERICA GROUP A DIV OF Filed as: MID AMERICA GROUP A DIV OF GALLACHE | TWO PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $6K | $6K | 3.23% |
| NFP INSURANCE SERVICES INC Filed as: MANAGEMENT COMPENSATION GROUP/SOUTH | STE 1304 40 WALL STREET NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15K | $3K | $18K | 11.58% |
| NFP INSURANCE SERVICES INC | BLDG 2 STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $4K | $4K | 2.57% |
| NFP INSURANCE SERVICES INC Filed as: MANAGEMENT COMPENSATION GROUP/SOUTH | 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $3K | $3K | 1.95% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BELMONT, A DIV OF GALLAGH | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $473 | $473 | 0.31% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF ROAD 11TH FLOOR ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $458 | $0 | $458 | 0.30% |
| MID AMERICA GROUP A DIV OF Filed as: MID AMERICA GROUP A DIV OF GALLAGHE | TWO PIERCE PLA 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $458 | $458 | 0.30% |
| NFP INSURANCE SERVICES INC Filed as: MANAGEMENT COMPENSATION GROUP/SOUTH | STE 1304 40 WALL STREET NEW YORK, NY 10005 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $5K | $1K | $6K | 15.08% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BELMONT, A DIV OF GALLACH | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | $738 | $4K | 8.73% |
| NFP INSURANCE SERVICES INC | BLDG 2 STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $2K | $2K | 5.82% |
| MID AMERICA GROUP A DIV OF Filed as: MID ATLANTIC GROUP A DIV OF GALLAGH | TWO PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $175 | — | $175 | 0.42% |
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 | 1,351 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,351 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,351 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.