| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $58K | — | $58K | 10.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | $67 | $32K | 17.70% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 3.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | UNUM INSURANCE COMPANY | $17K | $2K | $19K | 17.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC- ATLANTA SER | C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 30374 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | — | $10K | 11.14% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $813 | $4K | 4.44% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANY INC | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $854 | $512 | $1K | 1.57% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $531 | $531 | 0.61% |
| M FINANCIAL HOLDINGS INC3 | 1125 NORTHWEST COUCH STREET SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $137 | $137 | 0.16% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $3 | $4K | 25.02% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $488 | — | $488 | 3.00% |
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 | 1,388 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 37 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,430 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(3 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,464 | $93K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,388 | $595K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,388 | $666K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,388 | $886K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,464 | — |
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."
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.