| 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. | $1.2M | — | $1.2M | 9.00% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | STE 3005 1501 REEDSDALE ST PITTSBURGH, PA 15233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $371K | $111K | $481K | 8.69% |
| IBENEFIT COMMUNICATION LLC3 | PHILLIP GOODRUM CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $327K | $20K | $348K | 8.67% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | STE 300 1125 SANCTUARY PKWY ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $286K | $29K | $314K | 7.84% |
| HODGES-MACE BENEFITS GRP INC3 | STE 80 3350 RIVERWOOD PKWY ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $102K | $10K | $112K | 2.78% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | STE 3005 1501 REEDSDALE ST PITTSBURGH, PA 15233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $79K | $53K | $132K | 5.00% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | STE 3005 1501 REEDSDALE ST PITTSBURGH, PA 15233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $513K | $45K | $558K | 25.00% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | STE 3005 1501 REEDSDALE ST PITTSBURGH, PA 15233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $230K | $44K | $274K | 12.43% |
| IBENEFIT COMMUNICATION LLC3 | PHILLIP GOODRUM 131 HILLSIDE AVE CHARLOTTE, NC 28209 | UNUM INSURANCE COMPANY | $523K | $43K | $567K | 36.50% |
| IBENEFIT COMMUNICATION LLC3 | 131 HILLSIDE AVE 4400 PARK ROAD CHARLOTTE, NC 28209 | UNUM INSURANCE COMPANY | $134K | — | $134K | 8.63% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | STE 300 1125 SANCTUARY PKWY ALPHARETTA, GA 30009 | UNUM INSURANCE COMPANY | $101K | $13K | $113K | 7.31% |
| HODGES-MACE BENEFITS GRP INC3 | STE 80 3350 RIVERWOOD PKWY ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | -$281K | -$45K | -$326K | -20.97% |
| IBENEFIT COMMUNICATION LLC3 | PHILLIP GOODRUM 131 HILLSIDE AVE CHARLOTTE, NC 28209 | UNUM INSURANCE COMPANY | $302K | $26K | $328K | 34.18% |
| IBENEFIT COMMUNICATION LLC3 | 131 HILLSIDE AVE 4400 PARK ROAD CHARLOTTE, NC 28209 | UNUM INSURANCE COMPANY | $80K | — | $80K | 8.33% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | STE 300 1125 SANCTUARY PKWY ALPHARETTA, GA 30009 | UNUM INSURANCE COMPANY | $62K | $9K | $71K | 7.38% |
| HODGES-MACE BENEFITS GRP INC3 | STE 80 3350 RIVERWOOD PKWY ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | -$148K | -$23K | -$171K | -17.84% |
| IBENEFIT COMMUNICATION LLC3 | PHILLIP GOODRUM 131 HILLSIDE AVE CHARLOTTE, NC 28209 | UNUM INSURANCE COMPANY | $278K | $24K | $302K | 32.88% |
| IBENEFIT COMMUNICATION LLC3 | 131 HILLSIDE AVE 4400 PARK ROAD CHARLOTTE, NC 28209 | UNUM INSURANCE COMPANY | $73K | — | $73K | 7.98% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | STE 300 1125 SANCTUARY PKWY ALPHARETTA, GA 30009 | UNUM INSURANCE COMPANY | $61K | $9K | $70K | 7.63% |
| HODGES-MACE BENEFITS GRP INC3 | STE 80 3350 RIVERWOOD PKWY ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | -$121K | -$19K | -$140K | -15.28% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | STE 3005 1501 REEDSDALE ST PITTSBURGH, PA 15233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $85K | $18K | $103K | 11.52% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | STE 3005 1501 REEDSDALE ST PITTSBURGH, PA 15233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $597 | $152 | $749 | 9.86% |
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 | 3,247 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 841 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,088 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 5,242 | $13.1M |
| Vision | AMERITAS LIFE INSURANCE CORP. | 5,242 | $13.1M |
| Life insurance(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 13,294 | $8.6M |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 13,294 | $9.5M |
| Long-term disability(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 13,294 | $11.3M |
| Other(8 contracts, 3 carriers) | AMERITAS LIFE INSURANCE CORP. | 13,294 | $25.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,294 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.