| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS, INC. | PO BOX 724137 ATLANTA, GA 31139 | METROPOLITAN LIFE INSURANCE COMPANY | — | $99K | $99K | 1.40% |
| UMR, INC.3 Filed as: UMR INC | 11 SCOTT ST STE 100 WASSAU, WI 54403 | RELIASTAR LIFE INSURANCE COMPANIES | — | $138K | $138K | 3.00% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES - MACE BENEFITS GROUP | 5775 GLENRIDGE DR STE E500 ATLANTA, GA 30328 | RELIASTAR LIFE INSURANCE COMPANIES | — | $30K | $30K | 1.40% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS, INC. | PO BOX 724137 ATLANTA, GA 31139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 0.75% |
| STERLING SEACREST PRITCHARD, INC.3 | PO BOX 724137 ATLANTA, GA 31139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $146K | $2K | $148K | 17.78% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES - MACE BENEFITS GROUP | STE 80, 3350 RIVERWOOD PKWY ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 0.38% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH ST. HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15 | — | $15 | 0.00% |
| MCCULLUGH, CHRISTINE M3 | 14715 NE 95TH ST, STE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $44K | — | $44K | 11.26% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS, INC. | PO BOX 724137 ATLANTA, GA 31139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 3.75% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS, INC. | PO BOX 724137 ATLANTA, GA 31139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $147 | $147 | 0.75% |
| ASSUREDPARTNERS4 Filed as: STERLING SEACREST PARTNERS, INC. | PO BOX 724137 ATLANTA, GA 31139 | FIRST UNUM LIFE INSURANCE OF AMERICA | — | $76 | $76 | 0.75% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $0 | $0 | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MANAGEME | Float revenue; Claims processing; Other fees; Direct payment from the plan Service code 12 | — | $21.1M |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $3.3M |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 N/A | Contract Administrator Service code 13 | — | $169K |
| WAGEWORKS EIN 94-3351864 | Contract Administrator Service code 13 | — | $58K |
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 | 6,243 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 6,243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 11,807 | $7.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 11,807 | $7.1M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANIES | 10,462 | $2.2M |
| Short-term disability(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANIES | 10,462 | $2.2M |
| Long-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,185 | $1.5M |
| Stop-loss / reinsurancereinsurance(2 contracts) | RELIASTAR LIFE INSURANCE COMPANIES | 13,032 | $9.2M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,014 | $834K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,032 | — |
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.