| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | MINNESOTA LIFE INSURANCE COMPANY | — | $192K | $192K | 2.28% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 8182 MARYLAND AVE SUITE 1500 ST. LOUIS, MO 63105 | MINNESOTA LIFE INSURANCE COMPANY | — | $8K | $8K | 0.10% |
| BOURKE, WILLIAM, PATRICK3 Filed as: BOURKE, WILLIAM P | 2350 W WESLEY RD ATLANTA, GA 30327 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $367K | $21K | $388K | 10.89% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS SERVICES INC | 246 INVERNESS CENTER DR BIRMINGHAM, AL 35242 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $334K | $31K | $364K | 10.24% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS SERVICES INC | 246 INVERNESS CENTER DR BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $337K | $23K | $361K | 14.26% |
| BOURKE, WILLIAM, PATRICK3 Filed as: BOURKE, WILLIAM, P | 2350 W WESLEY RD ATLANTA, GA 30327 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $277K | $22K | $299K | 11.82% |
| GRIFFIN, STEVEN, RAY3 Filed as: GRIFFIN, STEVEN RAY | STE 1400 2000 MORRIS AVE BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $35K | $4K | $40K | 1.58% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $10K | $16K | 0.63% |
| BOURKE, WILLIAM, PATRICK3 Filed as: BOURKE, WILLIAM PATRICK | 2350 W WESLEY RD ATLANTA, GA 30327 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 0.47% |
| PANTALONE, JO, ANN3 Filed as: PANTALONE, LOUIS J | CUSTOM BENEFITS PROGRAMS INC P.O. BOX 1116 HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 0.22% |
| HERRING, RICHARD, FULLER3 | 246 INVERNESS CENTER DR BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $545 | — | $545 | 0.02% |
| EIDSON, DARELL, LAWAYNE3 Filed as: EIDSON, DARELL LAWAYNE | 246 INVERNESS CENTER DR BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $134 | — | $134 | 0.01% |
| LIFE OF THE SOUTH AGENCY3 | 205 DOGWOOD DR NASHVILLE, GA 31639 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.00% |
| HATTERAS5 | 56 PARK ROAD TINTON FALLS, NJ 07724 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 0.19% |
| WHITE, LARRY - BOR3 | P.O. BOX 11502 CHATTANOOGA, TN 374012502 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $177K | — | $177K | 9.83% |
| WHITE, LARRY - BOR3 | P.O. BOX 11502 CHATTANOOGA, TN 374012502 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $91K | — | $91K | 8.80% |
| BOURKE, WILLIAM, PATRICK3 Filed as: BOURKE, WILLIAM P | 2350 WEST WESLEY RD ATLANTA, GA 30327 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $151K | — | $151K | 19.46% |
| BOURKE, WILLIAM, PATRICK3 | 2350 WEST WESLEY RD ATLANTA, GA 30327 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $29K | $4K | $33K | 14.49% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFIT LLC | 1166 AVE OF AMERICAS 22F NEW YORK, NY 100360000 | FEDERAL INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| BOURKE, WILLIAM, PATRICK3 Filed as: BOURKE, WILLIAM, P | 2350 WEST WESLEY RD ATLANTA, GA 30327 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $270 | $8K | 18.87% |
| BOURKE, WILLIAM, PATRICK3 Filed as: BOURKE, WILLIAM, P | 2350 WEST WEASLEY RD ATLANTA, GA 30327 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $233 | $2K | 14.16% |
| WHITE, LARRY - BOR3 | P.O. BOX 11502 CHATTANOOGA, TN 374012502 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $1K | — | $1K | 10.30% |
| WHITE, LARRY - BOR3 | P.O. BOX 11502 CHATTANOOGA, TN 374012502 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $815 | — | $815 | 10.10% |
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 | 20,901 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 287 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 21,188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 16,756 | $0 |
| Vision(4 contracts) | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 18,053 | $2.9M |
| Life insurance(2 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 20,384 | $11.0M |
| Short-term disability(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 15,246 | $7.1M |
| Long-term disability(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 15,246 | $7.1M |
| Other(8 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 20,901 | $7.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,901 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.