| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 1501 REEDSDALE STREET, SUITE 3005 PITTSBURGH, PA 15233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $303K | $121K | $424K | 7.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1125 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26 | — | $26 | 0.00% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP, INC. | 3350 RIVERWOOD PARKWAY, SUITE 80 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19 | $0 | $19 | 0.00% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | 3606 ENTERPRISE AVENUE, SUITE 304 NAPLES, FL 34104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15 | $0 | $15 | 0.00% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | 3606 ENTERPRISE AVENUE, SUITE 304 NAPLES, FL 34104 | UNUM INSURANCE COMPANY | $68K | $0 | $68K | 10.93% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1125 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | UNUM INSURANCE COMPANY | $48K | $11K | $59K | 9.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 1000 CORPORATE DRIVE, SUITE 400 FORT LAUDERDALE, FL 33334 | UNUM INSURANCE COMPANY | $14K | $1K | $15K | 2.41% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP, INC. | 3350 RIVERWOOD PARKWAY, SUITE 80 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $0 | $10K | 3.19% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | 3606 ENTERPRISE AVENUE, SUITE 304 NAPLES, FL 34104 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 1.14% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1125 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 0.98% |
| NATIONAL BENEFITS GROUP OF AMERICA3 | 3820 NORTHDALE BOULEVARD, SUITE 103 TAMPA, FL 33624 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $457 | $0 | $457 | 0.14% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN AVENUE, 10TH FLOOR IRVINE, CA 92612 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $100 | $100 | 0.03% |
| HODGES-MACE LLC3 | 5775-E GLENRIDGE DRIVE, SUITE 500 ATLANTA, GA 30328 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22K | $0 | $22K | 10.27% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | 3606 ENTERPRISE AVENUE, SUITE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 2.75% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1125 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 1.44% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 2910 BAY TO BAY BOULEVARD TAMPA, FL 33629 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 20 NORTH MARTINGALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $243 | $0 | $243 | 0.11% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS AND COMP SYS INC. | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $138 | $138 | 0.06% |
| FRANK P DOHERTY3 Filed as: FRANK P. DOHERTY | PO BOX 916 DEVON, PA 19333 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $71 | $0 | $71 | 0.03% |
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 | 10,673 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,696 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 248 | $1.5M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 11,924 | $934K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,673 | $6.4M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,673 | $6.1M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 248 | $1.5M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,673 | $7.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,924 | — |
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.