| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $37K | $19K | $56K | 7.50% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1060 BROADWAY SUITE 400 ALBANY, NY 12204 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | $0 | $22K | 3.00% |
| IMA, INC.3 | SIX CONCOURSE PARKWAY STE 2750 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $2K | $17K | 11.34% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $102K | $5K | $107K | 72.74% |
| IMA, INC.3 | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $68K | $1K | $70K | 47.11% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM INSURANCE COMPANY | $55K | $10K | $66K | 46.11% |
| IMA, INC.3 | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | UNUM INSURANCE COMPANY | $37K | $1K | $38K | 26.68% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY LLC | 6 CONCOURSE PKWY NE STE 2750 ATLANTA, GA 303286243 | VISION SERVICE PLAN | $4K | $0 | $4K | 2.92% |
| IMA, INC.3 | PO BOX 733835 DALLAS, TX 75373 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.07% |
| IMA, INC.3 | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $15K | 11.58% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM INSURANCE COMPANY | $31K | $8K | $40K | 45.29% |
| IMA, INC.3 | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | UNUM INSURANCE COMPANY | $21K | $576 | $21K | 24.39% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM INSURANCE COMPANY | $29K | $8K | $37K | 54.21% |
| IMA, INC.3 | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | UNUM INSURANCE COMPANY | $19K | $538 | $20K | 28.78% |
| IMA, INC.3 | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $822 | $7K | 11.43% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67021 | METLIFE LEGAL PLANS, INC. | $3K | $0 | $3K | 6.61% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY LLC | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | METLIFE LEGAL PLANS, INC. | $2K | $0 | $2K | 4.35% |
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 | 1,575 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,594 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,167 | $742K |
| Vision | VISION SERVICE PLAN | 1,101 | $134K |
| Life insurance(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,575 | $331K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,893 | $151K |
| Other(7 contracts, 4 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,575 | $669K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,893 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.