| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MACE, PETER, J3 Filed as: MACE, PETER J | 5775 D GLENRIDGE DR STE 350 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $359K | — | $359K | 16.60% |
| HODGES-MACE BENEFITS GRP INC3 | 5775 D GLENRIDGE DR NE STE 350 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $43K | $43K | 1.98% |
| PARAMOUNT BENEFITS AGENCY INC3 Filed as: PARAMOUNT BENEFITS AGENCY | 1901 INDIAN WOOD CIR MAUMEE, OH 43537 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 0.87% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $76 | $8K | 0.39% |
| RYAN, JAMES, S3 | 1429 KING AVE COLUMBUS, OH 43209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 0.20% |
| CLARITY BENEFIT CONSULTING LLC3 | 1120 SANCTUARY PKWY STE 375 ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $64K | $20K | $84K | 4.60% |
| USI INSURANCE SERVICES LLC3 | 1120 MADISON AVENUE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $64K | $7K | $72K | 3.92% |
| MACE, PETER, J3 | 5775 D GLENRIDGE DR STE 350 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $253K | — | $253K | 15.50% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25K | — | $25K | 1.51% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GRP INC. | 5775 D GLENRIDGE DR NE STE 350 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $298 | $18K | $18K | 1.13% |
| PARAMOUNT BENEFITS AGENCY INC3 Filed as: PARAMOUNT BENEFITS AGENCY | 1901 INDIAN WOOD CIR MAUMEE, OH 43537 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | — | $11K | 0.66% |
| RYAN, JAMES, S3 | 1429 KING AVE COLUMBUS, OH 43209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 0.21% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1120 SANCTUARY PRKWY, SUITE 300 ALPHARETTA, GA 30009 | MINNESOTA LIFE INSURANCE COMPANY | $58K | $14K | $72K | 6.02% |
| USI INSURANCE SERVICES LLC3 | — | MINNESOTA LIFE INSURANCE COMPANY | $58K | — | $58K | 4.82% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GRP LLC | 1120 SANCTUARY PRKWY, SUITE 375 ALPHARETTA, GA 30009 | MINNESOTA LIFE INSURANCE COMPANY | — | $10K | $10K | 0.80% |
| CLAIR, BARBARA S3 Filed as: CLAIR, BARBARA S. | 3277 ROUND LAKE HWY MANITOU BEACH, MI 492539619 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 1.62% |
| CLAIR, BARBARA S3 | 3277 ROUND LAKE HWY MANITOU BEACH, MI 492539619 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 4.35% |
| CLARITY BENEFIT CONSULTING LLC3 | 1120 SANCTUARY PKWY STE 375 ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $4K | $16K | 4.60% |
| USI INSURANCE SERVICES LLC3 | 1120 MADISON AVENUE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $1K | $13K | 3.92% |
| CLARITY BENEFIT CONSULTING LLC3 | 1120 SANCTUARY PKWY STE 375 ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $9K | 4.57% |
| USI INSURANCE SERVICES LLC3 | 1120 MADISON AVENUE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $818 | $8K | 3.90% |
| CLAIR, BARBARA S3 | 3277 ROUND LAKE HWY MANITOU BEACH, MI 492539619 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 16.24% |
| CLAIR, BARBARA S3 | 3277 ROUND LAKE HWY MANITOU BEACH, MI 492539619 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.91% |
| CLARITY BENEFIT CONSULTING LLC3 | 1120 SANCTUARY PKWY STE 375 ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 4.42% |
| USI INSURANCE SERVICES LLC3 | 1120 MADISON AVENUE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $473 | $5K | 3.77% |
| CLARITY BENEFIT CONSULTING LLC3 | 1120 SANCTUARY PKWY STE 375 ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 4.61% |
| USI INSURANCE SERVICES LLC3 | 1120 MADISON AVENUE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $468 | $5K | 3.93% |
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 | 15,552 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 188 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,740 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts) | PARAMOUNT HEALTHCARE | 6,658 | $4.0M |
| Dental(3 contracts) | DELTA DENTAL OF OHIO | 10,816 | $6.2M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 6,381 | $676K |
| Life insurance(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 14,675 | $3.5M |
| Short-term disability(6 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,721 | $4.4M |
| Long-term disability(8 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,341 | $3.3M |
| Prescription drug(6 contracts) | PARAMOUNT HEALTHCARE | 6,658 | $4.0M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 15,740 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,740 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.