| 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. | $1.7M | — | $1.7M | 9.00% |
| HODGES-MACE BENEFITS GRP INC3 | STE 80 3350 RIVERWOOD PARKWAY ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $974K | $162K | $1.1M | 35.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS OF MASSACHUSETTS, INC. EIN 04-1045815 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $5.2M |
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 | 28,563 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 260 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 28,823 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERITAS LIFE INSURANCE CORP. | 44,017 | $19.4M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 44,017 | $19.4M |
| Vision | AMERITAS LIFE INSURANCE CORP. | 44,017 | $19.4M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,981 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 44,017 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.