| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| F.B.P. INSURANCE SERVICES, LLC3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $279K | $21K | $300K | 14.52% |
| PROVIEW ADVANCED SOLUTIONS3 | 130 THEORY SUITE 200 IRVINE, CA 92617 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $59K | $0 | $59K | 2.85% |
| PETER J MACE3 | 5775-D GLENRIDGE DRIVE SUITE 350 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 0.80% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: A.G. INSURANCE AGENCIES, INC | 6100 WESTERN PLACE, SUITE 350 FORT WORTH, TX 76107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 0.10% |
| BENEFIT PARTNERS GROUP LLC3 Filed as: BENEFIT PARTNERS, LLC | 9064 BOONE DRIVE BATON ROUGE, LA 70810 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 0.07% |
| HODGES-MACE BENEFITS GRP INC3 | 5775-D GLENRIDGE DRIVE NE STE 350 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $427 | $427 | 0.02% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SERVICES, INC. | 130 THEORY IRVINE, CA 92617 | EYEMED VISION CARE | $97K | $0 | $97K | 51.53% |
| MACE, PETER, J3 | 5775-D GLENRIDGE DRIVE, SUITE 350 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 8.56% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: A.G. INSURANCE AGENCIES, INC | 6100 WESTERN PLACE, SUITE 350 FORT WORTH, TX 76107 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $199 | $0 | $199 | 0.30% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES- MACE BENEFITS GRP | 5775-D GLENRIDGE DRIVE NE SUITE 350 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $113 | $0 | $113 | 0.17% |
| F.B.P. INSURANCE SERVICES, LLC3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.03% |
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 | 3,010 | 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) | 3,010 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 3,354 | $189K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,010 | $2.1M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,010 | $2.1M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,010 | $2.1M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,010 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,354 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.