| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROVIDENCE INSURANCE GROUP INC3 Filed as: THE PROVIDENCE INS GROUP INC | 4180 PROVIDENCE ROAD SUITE 200 MARIETTA, GA 30062 | HUMANA | $51K | $1K | $52K | 6.53% |
| PROVIDENCE INSURANCE GROUP INC3 | 4180 PROVIDENCE RD STE 200 MARIETTA, GA 300626127 | HUMANA | $3K | $2K | $4K | 8.45% |
| PROVIDENCE INSURANCE GROUP INC3 | 4180 PROVIDENCE RD STE 200 MARIETTA, GA 300626127 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $428 | $5K | 13.42% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1315 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $641 | — | $641 | 1.87% |
| PROVIDENCE INSURANCE GROUP INC3 | 4180 PROVIDENCE RD STE 200 SUITE 200 MARIETTA, GA 30062 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $248 | $3K | 16.25% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $370 | — | $370 | 1.86% |
| PROVIDENCE INSURANCE GROUP INC3 Filed as: PROVIDENCE INSURANCE GROUP, INC | 4180 PROVIDENCE ROAD,STE 200 MARIETTA, GA 30062 | UNUM | $5K | — | $5K | 26.09% |
| PROVIDENCE INSURANCE GROUP INC3 Filed as: PROVIDENCE INSURANCE GROUP | 4180 PROVIDENCE ROAD SUITE 200 MARIETTA, GA 30062 | HUMANA | $891 | $301 | $1K | 12.15% |
| PROVIDENCE INSURANCE GROUP INC3 | 4180 PROVIDENCE ROAD SUITE 200 MARIETTA, GA 30062 | UNITED CONCORDIA INSURANCE COMPANY | $869 | $54 | $923 | 21.23% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA | 119 | $801K |
| Dental(2 contracts, 2 carriers) | HUMANA | 98 | $53K |
| Vision | HUMANA | 87 | $10K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $54K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $34K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $34K |
| Prescription drug | HUMANA | 119 | $801K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.