| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION HEALTH CONSULTANTS, LLC3 Filed as: FOUNDATION HEALTH CONSULTANTS | 507 OCEAN BOULEVARD SUITE 204 SAINT SIMONS ISLAND, GA 31522 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | $0 | $30K | 7.99% |
| LOCKTON COMPANIES, LLC3 | PO BOX 415840 BOSTON, MA 02241 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $9K | 2.39% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $877 | $0 | $877 | 0.23% |
| LOCKTON COMPANIES, LLC3 | PO BOX 415840 BOSTON, MA 02241 | UNUM INSURANCE COMPANY | $9K | $1K | $10K | 7.71% |
| FOUNDATION HEALTH CONSULTANTS, LLC3 Filed as: FOUNDATION HEALTH CONSULTANTS | 507 OCEAN BOULEVARD SUITE 204 SAINT SIMONS ISLAND, GA 31522 | UNUM INSURANCE COMPANY | $8K | $0 | $8K | 5.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: HOLLY J. BROWN-OVERDYKE | 860 JOHNSON FERRY ROAD SUITE 140-312 ATLANTA, GA 30342 | UNUM INSURANCE COMPANY | $926 | $0 | $926 | 0.72% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | UNUM INSURANCE COMPANY | $25 | $3 | $28 | 0.02% |
| FOUNDATION HEALTH CONSULTANTS, LLC3 | 507 OCEAN BOULEVARD, SUITE 204 SAINT SIMONS ISLAND, GA 31522 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 2.58% |
| ROBERT BARTHOLOMEW4 | 3556 SOUTH 900 EAST APARTMENT 3 MILL CREEK, UT 84106 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | $0 | $1K | 5.56% |
| ALLIANT INSURANCE SERVICES, INC.4 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 8299 PASADENA, CA 91109 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $670 | $0 | $670 | 3.23% |
| NANCY CRUMP4 | PO BOX 922 LAGRANGE, GA 30241 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $496 | — | $496 | 2.39% |
| HARVARD BENEFITS, INC.4 | 4660 MIRANDY ROAD COOKEVILLE, TN 38506 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $49 | $0 | $49 | 0.24% |
| LOCKTON COMPANIES, LLC4 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $27 | $0 | $27 | 0.13% |
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 | 824 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 840 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,150 | $103K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,007 | $376K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,007 | $376K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,007 | $376K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,007 | $525K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,150 | — |
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.