| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRIFFIN, STEVEN, RAY3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $308K | $48K | $356K | 14.93% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $18K | $23K | 0.96% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $291K | $50K | $341K | 21.31% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $471 | $5K | 0.32% |
| LEONARD INS SVCS AGCY INC3 Filed as: LEONARD INS. SRVS. AGENCY INC. | 4244 MOUNT PLEASANT STREET SW SUITE 200 CANTON, OH 44711 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 0.25% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAMS INC. | PO BOX 1116 HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 0.23% |
| JO ANN PANTALONE3 | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $207 | $0 | $207 | 0.01% |
| GERALD L. STATEN3 Filed as: GERALD L. STATEN AND OTHER AGENTS | PO BOX 9160 CANTON, OH 44711 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $41 | $0 | $41 | 0.00% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAMS INC. | PO BOX 1116 HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 0.00% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | FIRST UNUM LIFE INSURANCE COMPANY OF AMERICA | $862 | $161 | $1K | 32.24% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | FIRST UNUM LIFE INSURANCE COMPANY OF AMERICA | $8 | $1 | $9 | 0.28% |
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 | 6,722 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 188 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,955 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 531 | $2.9M |
| Dental | DELTA DENTAL OF OHIO | 11,388 | $3.1M |
| Vision | COMMUNITY INSURANCE COMPANY | 10,500 | $702K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 2,508 | $2.5M |
| Short-term disability(3 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 3,293 | $4.0M |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 5,424 | $4.8M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 531 | $2.9M |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 5,424 | $4.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,388 | — |
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.