| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETER J MACE3 Filed as: PETER J. MACE | 5775 GLENRIDGE DRIVE, SUITE 350 ATLANTA, GA 30328 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $16K | — | $16K | 1.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 213 SOUTH JEFFERSON STREET SW SUITE 1402 ROANAOKE, VA 24011 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 0.21% |
| PETER J MACE3 Filed as: PETER J. MACE | 5775 GLENRIDGE DRIVE, SUITE 350 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $87K | — | $87K | 14.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 20351 DALLAS, TX 75320 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43K | $2K | $45K | 7.44% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 315 GREEN RIDGE ROAD, SUITE H1 NEW CASTLE, PA 16105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $287 | $19K | 3.11% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP INC. | 5775 D GLENRIDGE DRIVE NE SUITE 350 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $13K | $13K | 2.20% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP INC | 5775-D GLENRIDGE DRIVE NORTHEAST SUITE 350 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $33K | $4K | $37K | 13.97% |
| PETER J MACE3 | 5775 D GLENRIDGE DRIVE, SUITE 350 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19K | — | $19K | 7.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 20351 DALLAS, TX 75320 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $363 | $6K | 2.37% |
| ELECTRO MEDICAL SERVICES, INC.3 Filed as: ELECTRO MEDICAL SERVICES INC. | PO BOX 680 CLINTON, NC 28329 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 1.79% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 315 GREEN RIDGE ROAD, SUITE H1 NEW CASTLE, PA 16105 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $139 | $5K | 1.75% |
| STEVEN PAUL WILLIAMS3 | PO BOX 680 CLINTON, NC 28329 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.70% |
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 | 1,844 | 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) | 1,844 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,285 | $834K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,897 | $898K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,001 | $265K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,897 | $898K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,897 | — |
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.