| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VCG CONSULTANTS LLC3 | 999 PEACHTREE STREET NE SUITE 1500 ATLANTA, GA 30309 | METROPOLITAN LIFE INSURANCE COMPANY | $73K | $0 | $73K | 2.81% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP INC. | PO BOX 1779 BOWLING GREEN, KY 42102 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $0 | $28K | 1.08% |
| HERRING, RICHARD, FULLER3 | 246 IVERNESS CENTER DRIVE BIRMINGHAM, AL 35242 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 1.15% |
| SCHNEIDER, LESLIE A3 | 999 PEACHTREE STREET NORTH EAST SUITE 1500 ATLANTA, GA 30309 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 0.62% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | HOUCHENS INSURANCE GROUP, INC. 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 0.25% |
| VISUAL BENEFIT COMMUNICATIONS INC3 | 360B QUALITY CIRCLE NW SUITE 220 HUNTSVILLE, AL 35806 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 1.26% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMONTN, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 0.68% |
| VCG CONSULTANTS LLC3 | 999 PEACHTRE STREET NE SUITE 1500 ATLANTA, GA 30309 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 0.43% |
| MJ INSURANCE3 Filed as: DONNA BAGWELL AND VARIOUS AGENTS | PO BOX 13028 HUNTSVILLE, AL 35802 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 0.40% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS SERVICES INC | 246 INVERNESS CENTER DRIVE BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.27% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: JOHN BURNHAM WEBSTER | PO BOX 36190 BIRMINGHAM, AL 35236 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $596 | $0 | $596 | 0.13% |
| CUNDY, INC.3 Filed as: CUNDY INSURANCE AGENCY INC | PO BOX 24080 FORT LAUDERDALE, FL 33307 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $280 | $0 | $280 | 0.06% |
| UNKNOWN3 | UNKNOWN BOWLING GREEN, KY 42102 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $27K | $0 | $27K | 14.91% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS SERVICES, INC. | 246 INVERNESS CENTER DRIVE BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.45% |
| VCG CONSULTANTS LLC3 | 999 PEACHTREE STREET NE SUITE 1500 ATLANTA, GA 30309 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.80% |
| HERRING, RICHARD, FULLER3 | 246 INVERNESS CENTER DRIVE BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.71% |
| LESLIE A SCHNEIDER3 Filed as: LESLIE A. SCHNEIDER | 999 PEACHTREET STREET NE SUITE 1500 ATLANTA, GA 30309 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $666 | $0 | $666 | 0.46% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $414 | $0 | $414 | 0.28% |
| CUNDY, INC.3 Filed as: CUNDY INSURANCE AGENCY, INC. | PO BOX 24080 FORT LAUDERDALE, FL 33307 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $349 | $0 | $349 | 0.24% |
| EIDSON, DARELL, LAWAYNE3 | 246 INVERNESS CENTER DRIVE BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $269 | $0 | $269 | 0.18% |
| CUNDY, INC.3 Filed as: CUNDY, THOMAS, CARROLL | PO BOX 24080 FORT LAUDERDALE, FL 33307 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $231 | $0 | $231 | 0.16% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAMS, INC. | PO BOX 1116 HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $47 | $0 | $47 | 0.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 701 MARKET STREET SAINT LOUIS, MO 63101 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $7K | $0 | $7K | 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 | 2,217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 267 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 165 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,649 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 6,138 | $2.6M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 3,791 | $184K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,138 | $3.2M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 839 | $1.0M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 839 | $1.0M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,138 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,138 | — |
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.