| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VCG CONSULTANTS LLC3 | 999 PEACHTREE STREET NE, SUITE 1500 ATLANTA, GA 30309 | METROPOLILTAN LIFE INSURANCE COMPANY | $116K | — | $116K | 3.66% |
| RICHARD FULLER HERRING3 | 246 INVERNESS CENTER DRIVE BIRMINGHAM, AL 35242 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 1.37% |
| LESLIE A SCHNEIDER3 Filed as: LESLIE A. SCHNEIDER | 999 PEACHTREE STREET NE, SUITE 1500 ATLANTA, GA 30309 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 0.74% |
| VISUAL BENEFIT COMMUNICATIONS INC3 Filed as: VISUAL BENEFIT COMMUNICATIONS, INC. | 360B QUALITY CIRCLE, SUITE 220 HUNTSVILLE, AL 35806 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 1.24% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 0.89% |
| VCG CONSULTANTS LLC3 | 999 PEACHTREE STREET NE, SUITE 1500 ATLANTA, GA 30309 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.45% |
| WORKSITE BENEFIT SERVICES3 Filed as: WORKSITE BENEFIT SERVICES, INC. | 246 INVERNESS CENTER DRIVE BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.31% |
| TEARLE BAGWELL3 Filed as: TEARLE DAVID BAGWELL | 360B QUALITY CIRCLE, SUITE 220 HUNTSVILLE, AL 35806 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.24% |
| CUNDY, INC.3 Filed as: CUNDY INS. AGENCY AND OTHER AGENTS | PO BOX 24080 FORT LAUDERDALE, FL 33307 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.23% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: JOHN BURNHAM WEBSTER | 2172 HIGHWAY 31 SOUTH PELHAM, AL 35124 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $628 | — | $628 | 0.12% |
| VCG CONSULTANTS LLC3 | 999 PEACHTREE STREET NE, SUITE 1500 ATLANTA, GA 30309 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $42K | — | $42K | 13.25% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS SERVICES, INC. | 246 INVERNESS CENTER DRIVE BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 1.43% |
| VCG CONSULTANTS LLC3 | 999 PEACHTREE STREET NE, SUITE 1500 ATLANTA, GA 30309 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.79% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $688 | $718 | $1K | 0.72% |
| RICHARD FULLER HERRING3 | 246 INVERNESS CENTER DRIVE BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.60% |
| MJ INSURANCE3 Filed as: THOMAS C. CUNDY AND VARIOUS AGENTS | PO BOX 24080 FORT LAUDERDALE, FL 33307 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $892 | — | $892 | 0.45% |
| LESLIE A SCHNEIDER3 Filed as: LESLIE A. SCHNEIDER | 999 PEACHTREE STREET NE, SUITE 1500 ATLANTA, GA 30309 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $788 | — | $788 | 0.40% |
| CUNDY, INC.3 Filed as: CUNDY INSURANCE AGENCY, INC. | PO BOX 24080 FORT LAUDERDALE, FL 33307 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $497 | — | $497 | 0.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 701 MARKET STREET SAINT LOUIS, MO 63101 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $4K | — | $4K | 20.00% |
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 | 3,276 | 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) | 3,276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLILTAN LIFE INSURANCE COMPANY | 6,509 | $3.2M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 4,014 | $315K |
| Life insurance(2 contracts, 2 carriers) | METROPOLILTAN LIFE INSURANCE COMPANY | 6,509 | $3.4M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,379 | $1.1M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,379 | $1.1M |
| Other(4 contracts, 4 carriers) | METROPOLILTAN LIFE INSURANCE COMPANY | 6,509 | $4.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,509 | — |
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."
No prospect flags tripped on this filing.