| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS | PO BOX 724137 ATLANTA, GA 31139 | METROPOLITAN LIFE INSURANCE COMPANY | — | $46 | $46 | 0.00% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS | PO BOX 8004 SAVANNAH, GA 31412 | METROPOLITAN LIFE INSURANCE COMPANY | — | -$1K | -$1K | -0.03% |
| UMR, INC.3 Filed as: UMR INC | 11 SCOTT ST STE 100 WASSAU, WI 54403 | RELIASTAR LIFE INSURANCE COMPANIES | — | $82K | $82K | 3.00% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS, INC. | PO BOX 724137 ATLANTA, GA 31139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 0.30% |
| MCCULLUGH, CHRISTINE M3 | 14715 NE 95TH ST STE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $92K | — | $92K | 11.31% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | PO BOX 724137 ATLANTA, GA 31139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | — | $31K | 3.77% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 505115 ST. LOUIS, MO 63150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2 | — | $2 | 0.00% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | PO BOX 724137 ATLANTA, GA 31139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $164K | $13K | $177K | 28.72% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | PO BOX 724137 ATLANTA, GA 31139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 2.62% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP INC | STE 3500 5775 E GLENRIDGE DRIVE ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $564 | — | $564 | 0.09% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC, | AN AON COMPANY 897 12TH ST HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $186 | $269 | $455 | 0.07% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | PO BOX 724137 ATLANTA, GA 31139 | UNUM LIFE INSURANCE OF AMERICA | — | $42 | $42 | 0.44% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | PO BOX 724137 ATLANTA, GA 31139 | FIRST UNUM LIFE INSURANCE OF AMERICA | — | $16 | $16 | 0.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MNGMT | Direct payment from the plan; Claims processing; Float revenue; Other fees Service code 12 | — | $10.4M |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $2.1M |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 N/A | Contract Administrator Service code 13 | 2211 CONGRESS STREET PORTLAND, ME 041220002 | $122K |
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 PLAN ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | PO BOX 44347 MADISON, WI 53744 | $61K |
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 | 4,679 | 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) | 4,679 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 10,009 | $5.5M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 10,009 | $5.5M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,679 | $2.2M |
| Short-term disability | UNUM LIFE INSURANCE OF AMERICA | 29 | $10K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,709 | $3.0M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANIES | 10,471 | $5.5M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,679 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,471 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.