| 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 | $54K | $78K | $132K | 0.98% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 ST LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $18K | $18K | 0.13% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET PO BOX 1116 HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY | $1.3M | — | $1.3M | 25.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | RELIASTAR LIFE INSURANCE COMPANY | — | $158K | $158K | 3.02% |
| VARIOUS - SEE ATTACHMENT3 | 1 FOUNTAIN SQUARE CHATTANOOGA, TN 37402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $729K | $129K | $858K | 32.62% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES | 4220 DUNCAN AVE SUITE 401 ST LOUIS, MO 63110 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $77K | — | $77K | 3.72% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES | 8182 MARYLAND AVE SUITE 1500 CLAYTON, MO 63105 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $37K | — | $37K | 1.78% |
| WHITE, LARRY - BOR3 Filed as: WHITE, LARRY E - BOR | P.O. BOX 11502 CHATTANOOGA, TN 37401 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $21K | — | $21K | 1.00% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAMS, INC | 897 12TH STREET PO BOX 1116 HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY | $155K | — | $155K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | RELIASTAR LIFE INSURANCE COMPANY | — | $42K | $42K | 2.72% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS SERVICES INC | 246 INVERNESS CENTER DR BIRMINGHAM, AL 35242 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $101K | $15K | $116K | 21.58% |
| BOURKE, WILLIAM, PATRICK3 Filed as: BOURKE, WILLIAM P | 1266 WEST PACES FERRY RD. #552 ATLANTA, GA 30327 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $64K | $5K | $69K | 12.84% |
| HERRING, RICHARD, FULLER3 Filed as: HERRING, RICHARD FULLER | 246 INVERNESS CENTER DR BIRMINGHAM, AL 35242 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 3.68% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ST. LOUIS | P.O. BOX 905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $732 | $10K | 1.82% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ST. LOUIS | 8182 MARYLAND AVE ST LOUIS, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $86K | — | $86K | 19.60% |
| BOURKE, WILLIAM, PATRICK3 Filed as: BOURKE, WILLIAM, P | 1266 WEST PACES FERRY RD #552 ATLANTA, GA 30327 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $21K | — | $21K | 10.04% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS SERVICES INC | 246 INVERNESS CENTER DR BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $4K | $11K | 5.43% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 2.77% |
| HERRING, RICHARD, FULLER3 | 246 INVERNESS CENTER DR BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 2.23% |
| BOURKE, WILLIAM, PATRICK3 | 1266 WEST PACES FERRY RD. #552 ATLANTA, GA 30327 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15K | — | $15K | 9.35% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.96% |
| 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 | $845 | -$61 | $784 | 0.48% |
| BOURKE, WILLIAM, PATRICK3 | 1266 WEST PACES FERRY RD #552 ATLANTA, GA 30327 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $17K | $246 | $17K | 11.59% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.06% |
| BOURKE, WILLIAM, PATRICK3 | 1266 WEST PACES FERRY RD #552 ATLANTA, GA 30327 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $42 | $12K | 8.76% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 3.35% |
| 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 Filed as: BOURKE, WILLIAM PATRICK | #552 1266 WEST PACES FERRY RD ATLANTA, GA 30327 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5K | — | $5K | 8.34% |
| BOURKE, WILLIAM, PATRICK3 | 1266 WEST PACES FERRY RD #552 ATLANTA, GA 30327 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.48% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES | 4220 DUNCAN AVE SUITE 401 ST LOUIS, MO 63110 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $727 | — | $727 | 3.51% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES | 8182 MARYLAND AVE SUITE 1500 CLAYTON, MO 63105 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $621 | — | $621 | 3.00% |
| WHITE, LARRY - BOR3 Filed as: WHITE, LARRY E - BOR | P.O. BOX 11502 CHATTANOOGA, TN 37401 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $184 | — | $184 | 0.89% |
| BOURKE, WILLIAM, PATRICK3 Filed as: BOURKE, WILLIAM P | 1266 WEST PACES FERRY ROAD #552 ATLANTA, GA 30327 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 10.23% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 0.34% |
| 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% |
| BOURKE, WILLIAM, PATRICK3 | 1266 WEST PACES FERRY RD #552 ATLANTA, GA 30327 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $348 | — | $348 | 1.82% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS SERVICES INC | 246 INVERNESS CENTER RD BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $335 | — | $335 | 1.75% |
| BOURKE, WILLIAM, PATRICK3 | 1266 WEST PACES FERRY RD #552 ATLANTA, GA 30327 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $406 | — | $406 | 2.17% |
| BOURKE, WILLIAM, PATRICK3 | 1266 WEST PACES FERRY RD #552 ATLANTA, GA 30327 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $428 | — | $428 | 2.47% |
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 | 18,955 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 284 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 19,239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 39,471 | $5.8M |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 27,367 | $2.1M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 19,005 | $16.1M |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 19,005 | $13.5M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 19,005 | $13.5M |
| Other(17 contracts, 7 carriers) | HARTFORD LIFE AND ACCIDENT | 39,471 | $24.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 39,471 | — |
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.