| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 3.75% |
| FISK ENTERPRISES, INC.3 | 5349 BROOKS BEND GREENWOOD, IN 46143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 3.67% |
| BOAR ENROLLMENT STRATEGIES3 | 9622 WILTSHIRE DRIVE OOLTEWAH, TN 37363 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.57% |
| LGF ENTERPRISES, INC.3 | 1201 CARSON WAY, SUITE 202 GREENWOOD, IN 46143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.43% |
| WIGGINS, DAVID, WILLIAM3 | 8900 STATE LINE ROAD LEAWOD, KS 66206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $2 | $1K | 0.38% |
| STALVEY, MICHAEL, DEWAYNE3 | 9622 WILTSHIRE DRIVE OOLTEWAH, TN 37363 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $117 | — | $117 | 0.04% |
| BOAR ENROLLMENT STRATEGIES3 | 9622 WILTSHIRE DRIVE OOLTEWAH, TN 37363 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 5.37% |
| LGF ENTERPRISES, INC.3 | 1201 CARSON WAY, SUITE 202 GREENWOOD, IN 46143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.11% |
| WIGGINS, DAVID, WILLIAM3 | 8900 STATE LINE ROAD, SUITE 350 LEAWOD, KS 66206 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.21% |
| FISK ENTERPRISES, INC.3 | 5349 BROOKS BEND GREENWOOD, IN 46143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $720 | — | $720 | 1.29% |
| STALVEY, MICHAEL, DEWAYNE3 | 9622 WILTSHIRE DRIVE OOLTEWAH, TN 37363 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $293 | — | $293 | 0.53% |
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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 101 | $56K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 179 | $295K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 101 | $56K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 179 | $295K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 179 | $295K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.