| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | MINNESOTA LIFE INSURANCE COMPANY | — | $170K | $170K | 2.26% |
| 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 | 1266 WEST PACES FERRY RD. #552 ATLANTA, GA 30327 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $289K | $71K | $360K | 7.07% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS SERVICES INC | 246 INVERNESS CENTER DR BIRMINGHAM, AL 35242 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $255K | $72K | $327K | 6.43% |
| HERRING, RICHARD, FULLER3 Filed as: HERRING, RICHARD FULLER | 246 INVERNESS CENTER DR BIRMINGHAM, AL 35242 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $92K | — | $92K | 1.80% |
| HATTERAS5 | 56 PARK ROAD TINTON FALLS, NJ 07724 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.09% |
| VARIOUS - SEE ATTACHMENT3 | 1 FOUNTAIN SQUARE CHATTANOOGA, TN 37402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $202K | $120 | $202K | 8.79% |
| WHITE, LARRY - BOR3 | P.O. BOX 11502 CHATTANOOGA, TN 37401 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $71K | — | $71K | 3.86% |
| WHITE, LARRY - BOR3 | 55 S FOREST AVENUE BRAZIL, IN 47834 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $29K | — | $29K | 1.57% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | MINNESOTA LIFE INSURANCE COMPANY | — | $22K | $22K | 2.27% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 8182 MARYLAND AVE SUITE 1500 ST. LOUIS, MO 63105 | MINNESOTA LIFE INSURANCE COMPANY | — | $975 | $975 | 0.10% |
| BOURKE, WILLIAM, PATRICK3 Filed as: BOURKE, WILLIAM P | 1266 WEST PACES FERRY RD. #552 ATLANTA, GA 30327 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $109K | — | $109K | 20.14% |
| BOURKE, WILLIAM, PATRICK3 | 1266 WEST PACES FERRY RD. #552 ATLANTA, GA 30327 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $28K | $8K | $36K | 17.31% |
| BOURKE, WILLIAM, PATRICK3 Filed as: BOURKE, WILLIAM, P | 1266 WEST PACES FERRY RD. #552 ATLANTA, GA 30327 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15K | $18K | $33K | 42.86% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFIT LLC | 1166 AVE OF AMERICAS 22F NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| BOURKE, WILLIAM, PATRICK3 Filed as: BOURKE, WILLIAM, P | 1266 WEST FERRY RD. #552 ATLANTA, GA 30327 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $847 | $3K | 18.33% |
| WHITE, LARRY - BOR3 | P.O. BOX 11502 CHATTANOOGA, TN 37401 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $513 | — | $513 | 4.03% |
| WHITE, LARRY - BOR3 | 55 S FOREST AVENUE BRAZIL, IN 47834 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $64 | — | $64 | 0.50% |
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 | 17,595 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 315 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,910 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 29,533 | $1.9M |
| Life insurance(3 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 20,264 | $10.8M |
| Short-term disability(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 23,290 | $9.6M |
| Long-term disability(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 23,290 | $7.3M |
| Other(8 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 22,237 | $8.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 29,533 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.