| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 Filed as: UMR | 5151 PFEIFFER ROAD ML 400 PFEIFFFER WOODS CINCINNATI, OH 45242 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $5K | $5K | 0.66% |
| DIRECTPATH, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $62K | $10K | $72K | 32.67% |
| SABAL BENEFITS, LLC3 Filed as: SABAL BENEFITS | 1000 EAST BROWARD BLVD FT LAUDERDALE, FL 33301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 7.56% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CRIGHTON DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $383 | — | $383 | 0.17% |
| MORETON & COMPANY3 Filed as: MORTON D WEINER/AMPAC INC | 8181 WEST BROWARD BLVD SUITE 300 PLANTATION, FL 33324 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $383 | — | $383 | 0.17% |
| ENROLLMENT RESOURCES GROUP3 Filed as: ENROLLMENT ADVISORS, LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | LEGAL CLUB OF AMERICA | $5K | — | $5K | 31.68% |
| SABAL BENEFITS, LLC3 | 1000 EAST BROWARD BLVD FT LAUDERDALE, FL 33301 | LEGAL CLUB OF AMERICA | $2K | — | $2K | 10.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC EIN 33-0441200 PHARMACY BENEFIT MGMT | Other fees; Float revenue; Direct payment from the plan; Claims processing Service code 12 | — | $1.5M |
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $617K |
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 | 1,333 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 1,007 | $662K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 1,007 | $662K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,343 | $254K |
| Short-term disability(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,343 | $790K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,337 | $278K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,026 | $836K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,343 | $490K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,343 | — |
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.