| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | STE 3005 1501 REEDSDALE ST PITTSBURGH, PA 15233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $264K | $106K | $370K | 7.00% |
| HODGES-MACE BENEFITS GRP INC3 | STE 80 3350 RIVERWOOD PKWY ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | — | $11K | 3.23% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS INC. | SUITE 304 3606 ENTERPRISE AVE NAPLES, FL 34104 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 0.93% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | STE 300 1120 SANCTUARY PKWY ALPHARETTA, GA 30009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 0.78% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS INC. | STE 304 3606 ENTERPRISE AVENUE NAPLES, FL 34104 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $474 | $17 | $491 | 0.14% |
| NATIONAL BENEFTS GRP OF AMERICA INC3 | 3820 NORTHDALE BLVD STE 103 TAMPA, FL 33624 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $491 | — | $491 | 0.14% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. -HQ | 10TH FLOOR 18100 VON KARMAN AVE IRVINE, CA 92612 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $60 | $60 | 0.02% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVE STE 304 NAPLES, FL 34104 | UNUM INSURANCE COMPANY | $35K | — | $35K | 10.64% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | UNUM INSURANCE COMPANY | $23K | $10K | $33K | 10.10% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | UNUM INSURANCE COMPANY | $16K | $4K | $19K | 12.40% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVE STE 304 NAPLES, FL 34104 | UNUM INSURANCE COMPANY | $18K | — | $18K | 15.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | UNUM INSURANCE COMPANY | $12K | $3K | $15K | 12.52% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | STE 3005 1501 REEDSDALE ST PITTSBURGH, PA 15233 | FIRST UNUM LIFE INSURANCE COMPANY | — | $24 | $24 | 1.99% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | STE 300 1120 SANCTUARY PKWY ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27 | — | $27 | 2.35% |
| HODGES-MACE BENEFITS GRP INC3 | STE 80 3350 RIVERWOOD PKWY ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24 | — | $24 | 2.09% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS INC. | STE 304 3606 ENTERPRISE AVENUE NAPLES, FL 34104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10 | — | $10 | 0.87% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS INC. | SUITE 304 3606 ENTERPRISE AVE NAPLES, FL 34104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 0.61% |
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 | 8,254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE | 10,979 | $679K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,881 | $5.6M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,881 | $5.3M |
| Other(8 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,881 | $6.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,979 | — |
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.