| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 300097614 | AMERITAS LIFE INSURANCE CORP. | $1.6M | — | $1.6M | 9.00% |
| DIRECTPATH, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1.6M | $187K | $1.8M | 100.34% |
| AON CONSULTING INC3 Filed as: BSWIFT | STE 1100 10 S RIVERSIDE PLAZA CHICAGO, IL 60606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $70K | — | $70K | 3.99% |
| DIRECTPATH, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1.1M | $169K | $1.3M | 76.67% |
| THE FARMINGTON COMPANY3 Filed as: THE FARMINGTON INSURANCE AGENCY INC | PO BOX 665 99 FOX HILL DR HOLDEN, MA 01520 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $81K | — | $81K | 4.89% |
| AON CONSULTING INC3 Filed as: BSWIFT | STE 1100 10 S RIVERSIDE PLAZA CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $69K | — | $69K | 4.20% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $16K | $16K | 0.95% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES HOU | 5444 WESTHEIMER RD # 900 HOUSTON, TX 77056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 18.45% |
| BOLOTIN, ALAN, CRAIG3 Filed as: BOLOTIN,ALAN C | 301 EDGEWATER PL STE 200 WAKEFIELD, MA 01880 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.54% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS & GRAY INS AGCY INC | 434 ROUTE 134 SOUTH DENNIS, MA 02660 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $13 | $2K | 17.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS OF MASSACHUSETTS, INC. EIN 04-1045815 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $707K |
| UNUM LIFE INS. COMPANY OF AMERICA EIN 01-0278678 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $202K |
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 | 29,112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 251 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 29,363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERITAS LIFE INSURANCE CORP. | 48,096 | $17.8M |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 48,096 | $17.8M |
| Vision | AMERITAS LIFE INSURANCE CORP. | 48,096 | $17.8M |
| Life insurance(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 5,410 | $1.8M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 454 | $141K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,888 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 48,096 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.