| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RESECO INSURANCE ADVISORS LLC3 Filed as: RESECO INSURANCE ADVISORS, LLC | 7901 N 16TH STREET STE 100 PHOENIX, AZ 85020 | BLUECROSS BLUESHIELD OF ILLINOIS | $154K | — | $154K | 1.31% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | — | BLUECROSS BLUESHIELD OF ILLINOIS | -$30K | — | -$30K | -0.26% |
| MACE, PETER, J3 Filed as: MACE, PETER J | 5775 D GLENRIDGE DR STE 350 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $61K | — | $61K | 19.16% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | 3900 E CAMELBACK RD STE 225 PHOENIX, AZ 85018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $2K | $22K | 6.90% |
| HODGES-MACE BENEFITS GRP INC3 | 5775-D GLENRIDGE DR NE STE 350 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 2.61% |
| RESECO INSURANCE ADVISORS LLC3 Filed as: RESECO INSURANCE ADVISORS, LLC | 7901 N 16TH ST STE 100 PHOENIX, AZ 85020 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 12.67% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | 9225 PRIORITY WAY WEST DR STE 100 INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $243 | $5K | 2.44% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | 9225 PRIORITY WAY WEST DR STE 100 INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $196 | $196 | 0.11% |
| RESECO INSURANCE ADVISORS LLC3 Filed as: RESECO INSURANCE ADVISORS, LLC | 7901 N 16TH ST STE 100 PHOENIX, AZ 85020 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 13.16% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | 9225 PRIORITY WAY WEST DR STE 100 INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $95 | $2K | 1.91% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | 9225 PRIORITY WAY WEST DR STE 100 INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $91 | $91 | 0.13% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | 9225 PRIORITY WAY WEST DR STE 100 INDIANAPOLIS, IN 46240 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $11K | $11K | 28.71% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES MACE BENEFITS GROUP INC | 5775 A GLENDRIDGE DR STE 175 ATLANTA, GA 30328 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.00% |
| RESECO INSURANCE ADVISORS LLC3 Filed as: RESECO INS ADVISORS LLC | 7901 N 16TH ST #100 PHOENIX, AZ 85020 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$7K | — | -$7K | -17.39% |
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 | 1,867 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,897 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 2,994 | $11.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,778 | $39K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,778 | $39K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,859 | $288K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 596 | $282K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 101 | $73K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,859 | $603K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,859 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.