| 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. | $1.8M | — | $1.8M | 9.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 9 RIVER PARK PLACE EAST 3RD FL P.O. BOX 28932 FRESNO, CA 937298932 | AMERITAS LIFE INSURANCE CORP. | — | $11K | $11K | 0.06% |
| DIRECTPATH, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $661K | $125K | $786K | 33.00% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH BEN ADMIN | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $164K | — | $164K | 6.89% |
| 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 | $397 | — | $397 | 0.02% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $17 | $17 | 0.00% |
| AON CONSULTING INC3 Filed as: BSWIFT | STE 1100 10 S RIVERSIDE PLAZA CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$69K | — | -$69K | -2.90% |
| DIRECTPATH, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $789K | $85K | $874K | 42.07% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH BEN ADMIN | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $152K | — | $152K | 7.32% |
| HODGES-MACE BENEFITS GRP INC3 | 5775 E GLENRIDGE DR STE 500 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $76 | — | $76 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 5444 WESTHEIMER RD #900 HUSTON, TX 77056 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.00% |
| AON CONSULTING INC3 Filed as: BSWIFT | STE 1100 10 S RIVERSIDE PLAZA CHICAGO, IL 60606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | -$69K | — | -$69K | -3.33% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES HOU | 5444 WESTHEIMER RD # 900 HOUSTON, TX 77056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 15.96% |
| BOLOTIN, ALAN, CRAIG3 | 301 EDGEWATER PL STE 200 WAKEFIELD, MA 01880 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $17K | — | $17K | 11.99% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC.- HQ | ATTN ERICA MENDEZ 1301 DOVE ST STE 200 NEWPORT BEACH, CA 92660 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $829 | $829 | 0.60% |
| BOLOTIN, ALAN, CRAIG3 Filed as: BOLOTIN, JARED, S | 301 EDGEWATER PL STE 200 WAKEFIELD, MA 01880 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $284 | — | $284 | 0.21% |
| BLICHER, NEIL, D3 | 300 EDGEWATER PL STE 200 WAKEFIELD, MA 01880 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 0.05% |
| BLANCHARD, ANDREW, J3 | 20 CONGRESS ST MARSHFIELD, MA 02050 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.02% |
| ZERVESKES, TROY, V BAY STATE FINANC3 | 149 WATER STREET EXETER, NH 03833 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| BOLOTIN, ALAN, CRAIG3 | 301 EDGEWATER PL STE 200 WAKEFIELD, MA 01880 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $276 | — | $276 | 11.56% |
| DIRECTPATH, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | FIRST UNUM LIFE INSURANCE COMPANY | $578 | — | $578 | 93.98% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH BEN ADMIN | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | FIRST UNUM LIFE INSURANCE COMPANY | $44 | — | $44 | 7.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS OF MASSACHUSETTS, INC. EIN 04-1045815 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $3.3M |
| UNUM LIFE INS. COMPANY OF AMERICA EIN 01-0278678 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $298K |
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 | 28,952 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 215 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 29,167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERITAS LIFE INSURANCE CORP. | 49,682 | $19.6M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 49,682 | $19.6M |
| Vision | AMERITAS LIFE INSURANCE CORP. | 49,682 | $19.6M |
| Life insurance(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 6,859 | $2.1M |
| Long-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 641 | $296K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11,271 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 49,682 | — |
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."
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.