| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC | AON CONSULTING INC 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $49K | $97K | $147K | 1.15% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $8K | $8K | 0.06% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS SERVICES INC | 246 INVERNESS CENTER DR BIRMINGHAM, AL 35242 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $673K | $106K | $780K | 12.54% |
| BOURKE, WILLIAM, PATRICK3 Filed as: BOURKE, WILLIAM P | 1266 WEST PACES FERRY RD. #552 ATLANTA, GA 30327 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $422K | $39K | $461K | 7.41% |
| HERRING, RICHARD, FULLER3 Filed as: HERRING, RICHARD FULLER | 246 INVERNESS CENTER DR BIRMINGHAM, AL 35242 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $130K | — | $130K | 2.08% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ST. LOUIS | P.O. BOX 905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $604 | $17K | 0.27% |
| VARIOUS - SEE ATTACHMENT3 | 1 FOUNTAIN SQUARE CHATTANOOGA, TN 37402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $601K | $68K | $669K | 27.09% |
| WHITE, LARRY - BOR3 Filed as: WHITE, LARRY E - BOR | P.O. BOX 11502 CHATTANOOGA, TN 37401 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $56K | — | $56K | 2.65% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ST. LOUIS | P.O. BOX 905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $51K | — | $51K | 10.46% |
| HERRING, RICHARD, FULLER3 Filed as: HERRING SR, RICHARD F | 246 INVERNESS CENTER DR BIRMINGHAM, AL 35242 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $50K | — | $50K | 10.17% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS SERVICES INC. | 246 INVERNESS CENTER DR BIRMINGHAM, AL 35242 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$3K | — | -$3K | -0.61% |
| BOURKE, WILLIAM, PATRICK3 | 1266 WEST PACES FERRY RD #552 ATLANTA, GA 30327 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $34K | $12K | $45K | 20.44% |
| GENAMERICA CORPORATION3 | 700 MARKET STREET ST LOUIS, MO 63101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $2 | $2 | 0.00% |
| BOURKE, WILLIAM, PATRICK3 | 1266 WEST PACES FERRY RD #552 ATLANTA, GA 30327 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $24K | $6K | $30K | 15.06% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH | DBA WORKSITE BENEFITS SERVICES INC 246 INVERNESS CENTER DR BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $938 | $1K | $2K | 1.18% |
| BOURKE, WILLIAM, PATRICK3 | 1266 WEST PACES FERRY RD. #552 ATLANTA, GA 30327 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $496 | — | $496 | 0.26% |
| BOURKE, WILLIAM, PATRICK3 Filed as: BOURKE, WILLIAM, P | 1266 WEST PACES FERRY RD #552 ATLANTA, GA 30327 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $24K | $4K | $29K | 16.92% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS SERVICES INC | 246 INVERNESS CENTER DR BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 3.18% |
| HERRING, RICHARD, FULLER3 | 246 INVERNESS CENTER DR BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.74% |
| BOURKE, WILLIAM, PATRICK3 Filed as: BOURKE, WILLIAM PATRICK | #552 1266 WEST PACES FERRY RD ATLANTA, GA 30327 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7K | — | $7K | 7.39% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS 22ND FLOOR NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| BOURKE, WILLIAM, PATRICK3 | 1266 WEST PACES FERRY RD #552 ATLANTA, GA 30327 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.37% |
| BOURKE, WILLIAM, PATRICK3 | 1266 WEST PACES FERRY RD #552 ATLANTA, GA 30327 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $687 | $521 | $1K | 3.96% |
| BOURKE, WILLIAM, PATRICK3 | 1266 WEST PACES FERRY RD #552 ATLANTA, GA 30327 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $659 | $423 | $1K | 4.05% |
| WHITE, LARRY - BOR3 Filed as: WHITE, LARRY E - BOR | P.O. BOX 11502 CHATTANOOGA, TN 37401 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $922 | — | $922 | 3.69% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS SERVICES INC | 246 INVERNESS CENTER RD BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $479 | — | $479 | 2.24% |
| BOURKE, WILLIAM, PATRICK3 | 1266 WEST PACES FERRY RD #552 ATLANTA, GA 30327 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $462 | — | $462 | 2.16% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH | DBA WORKSITE BENEFITS SERVICES INC 246 INVERNESS CENTER DR BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 16,602 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 204 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,806 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 27,432 | $6.2M |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 28,375 | $2.1M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 22,883 | $15.3M |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 22,883 | $12.8M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 22,883 | $12.8M |
| Other(15 contracts, 6 carriers) | HARTFORD LIFE AND ACCIDENT | 27,432 | $23.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,375 | — |
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.