| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MACE, PETER, J3 Filed as: MACE, PETER J | 5775 E GLENRIDGE DR STE 500 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $408K | — | $408K | 17.81% |
| HODGES-MACE BENEFITS GRP INC3 | 5775 E GLENRIDGE DR STE 500 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $54K | $54K | 2.34% |
| PARAMOUNT BENEFITS AGENCY INC3 Filed as: PARAMOUNT BENEFITS AGENCY | 1901 INDIAN WOOD CIR MAUMEE, OH 43537 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 0.94% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $158 | $8K | 0.33% |
| RYAN, JAMES, S3 | 1429 KING AVE COLUMBUS, OH 43209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 0.16% |
| MACE, PETER, J3 | 5775 E GLENRIDGE DR STE 500 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $312K | — | $312K | 18.64% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GRP INC. | 5775 E GLENRIDGE DR STE 500 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $234 | $34K | $34K | 2.06% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19K | — | $19K | 1.11% |
| PARAMOUNT BENEFITS AGENCY INC3 Filed as: PARAMOUNT BENEFITS AGENCY | 1901 INDIAN WOOD CIR MAUMEE, OH 43537 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14K | — | $14K | 0.82% |
| RYAN, JAMES, S3 | 1429 KING AVE COLUMBUS, OH 43209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.14% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | — | $27K | 2.06% |
| SAUL R LOCKER3 Filed as: SAUL LOCKER | 1099 18TH ST., STE 2040 DENVER, CO 80202 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | — | $22K | 1.71% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1120 SANCTUARY PRKWY, SUITE 300 ALPHARETTA, GA 30009 | MINNESOTA LIFE INSURANCE COMPANY | $49K | $12K | $61K | 5.64% |
| USI INSURANCE SERVICES LLC3 | ONE SEAGATE, SUITE 1800 TOLEDO, OH 43604 | MINNESOTA LIFE INSURANCE COMPANY | $49K | — | $49K | 4.55% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GRP LLC | 1120 SANCTUARY PRKWY, SUITE 375 ALPHARETTA, GA 30009 | MINNESOTA LIFE INSURANCE COMPANY | $0 | $10K | $10K | 0.91% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | $9K | $36K | 4.25% |
| USI INSURANCE SERVICES LLC3 | 1120 MADISON AVENUE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | $3K | $31K | 3.62% |
| CLAIR, BARBARA S3 | 3277 ROUND LAKE HWY MANITOU BEACH, MI 492539619 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 4.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | — | $34K | 9.70% |
| SAUL R LOCKER3 Filed as: SAUL LOCKER | 1099 18TH ST.,STE 2040 DENVER, CO 802021945 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | — | $28K | 8.07% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1120 SANCTURAY PKWY STE 300 ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $9K | 3.96% |
| USI INSURANCE SERVICES LLC3 | 1120 MADISON AVE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $795 | $8K | 3.38% |
| CLAIR, BARBARA S3 | 3277 ROUND LAKE HWY MANITOU BEACH, MI 492539619 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.02% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $6K | 4.25% |
| USI INSURANCE SERVICES LLC3 | 1120 MADISON AVENUE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $570 | $6K | 3.62% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $924 | $4K | 4.25% |
| USI INSURANCE SERVICES LLC3 | 1120 MADISON AVENUE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $347 | $3K | 3.63% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $881 | $4K | 4.25% |
| USI INSURANCE SERVICES LLC3 | 1120 MADISON AVENUE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $330 | $3K | 3.62% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $468 | $2K | 4.25% |
| USI INSURANCE SERVICES LLC3 | 1120 MADISON AVENUE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $175 | $2K | 3.63% |
| CLAIR, BARBARA S3 | 3277 ROUND LAKE HWY MANITOU BEACH, MI 492539619 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $637 | — | $637 | 4.00% |
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 | 14,964 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 190 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 15,154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts) | PARAMOUNT HEALTHCARE | 6,443 | $4.6M |
| Dental(3 contracts) | DELTA DENTAL OF OHIO | 11,316 | $6.1M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 7,189 | $757K |
| Life insurance(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 21,991 | $3.1M |
| Short-term disability(6 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 6,822 | $4.1M |
| Long-term disability(9 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,822 | $3.3M |
| Prescription drug(6 contracts) | PARAMOUNT HEALTHCARE | 6,443 | $4.6M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 21,991 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,991 | — |
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.