| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | PO BOX 1779 BOWLING GREEN, IL 42102 | METROPOLITAN LIFE INSURANCE COMPANY | $66K | $386 | $67K | 5.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37027 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | $54 | $35K | 2.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $13 | $13 | 0.00% |
| VISUAL BENEFIT COMMUNICATIONS INC3 Filed as: VISUAL BENEFIT COMMUNICATIONS INC. | 360B QUALITY CIRCLE NW, SUITE 220 HUNTSVILLE, AL 35806 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 1.37% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $184 | $3K | 0.72% |
| ACRISURE LLC3 Filed as: ACISURE LLC | 3350 RIVERWOOD PARKWAY ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 0.41% |
| TEARLE BAGWELL3 Filed as: TEARLE DAVEID BAGWELL | 360B QUALITY CIRCLE HUNTSVILLE, AL 35806 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $922 | $0 | $922 | 0.24% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH | 246 INVERNESS CENTER DRIVE BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $869 | $0 | $869 | 0.23% |
| MJ INSURANCE3 Filed as: PAUL L. SAIA AND VARIOUS AGENTS | 201 OFFICE PARK DRIVE SUITE 300 BIRMINGHAM, AL 35223 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $553 | $0 | $553 | 0.15% |
| JOHN WEBSTER3 | PO BOX 36190 BIRMINGHAM, AL 35236 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $482 | $0 | $482 | 0.13% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | PRUDENTIAL INSURNCE COMPANY OF AMERICA | $4K | $0 | $4K | 1.00% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $311 | $24K | 7.72% |
| RICHARD FULLER HERRING3 Filed as: RICHARD HERRING | 246 INVERNESS CENTER DRIVE BIRMINGHAM, AL 35242 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 2.17% |
| BENEFIT TECHNOLOGY RESOURCES3 Filed as: BENEFIT TECHNOLOGY RESOURCES, LLC | 301 WEST PLATT STREET, SUITE 507 TAMPA, FL 33606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 2.09% |
| LESLIE A SCHNEIDER3 Filed as: LESLIE A. SCHNEIDER | 3350 RIVERWOOD PARKWAY SE SUITE 600 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 1.18% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH | 246 INVERNESS CENTER DRIVE BIRMINGHAM, AL 35242 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $72 | $72 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37027 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $20K | $0 | $20K | 8.38% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $11K | $0 | $11K | 4.82% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | PROVIDENT LIFE AND ACCIDETN INSURANCE COMPANY | $6K | $151 | $7K | 6.33% |
| BENEFIT TECHNOLOCY RESOURCES, LLC3 | 301 WEST PLATT STREET, SUITE 507 TAMPA, FL 33606 | PROVIDENT LIFE AND ACCIDETN INSURANCE COMPANY | $1K | $0 | $1K | 1.32% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH | 246 INVERNESS CENTER DRIVE BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDETN INSURANCE COMPANY | $834 | $0 | $834 | 0.80% |
| LESLIE A SCHNEIDER3 Filed as: LESLIE SCHNEIDER AND OTHER AGENTS | 3350 RIVERWOOD PARKWAY SE SUITE 600 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDETN INSURANCE COMPANY | $645 | $101 | $746 | 0.72% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDETN INSURANCE COMPANY | $184 | $462 | $646 | 0.62% |
| ACRISURE LLC3 Filed as: ACISURE LLC | 3350 RIVERWOOD PARKWAY SUIT 600 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDETN INSURANCE COMPANY | $456 | $0 | $456 | 0.44% |
| RICHARD FULLER HERRING3 Filed as: RICHARD HERRING | 246 INVERNESS CENTER DRIVE BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDETN INSURANCE COMPANY | $333 | $0 | $333 | 0.32% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 701 MARKET STREET, SUITE 1100 SAINT LOUIS, MO 63101 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $8K | $0 | $8K | 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 | 1,702 | 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) | 1,702 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 3,363 | $851K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,421 | $237K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,999 | $1.7M |
| Short-term disability | PRUDENTIAL INSURNCE COMPANY OF AMERICA | 959 | $367K |
| Long-term disability | PRUDENTIAL INSURNCE COMPANY OF AMERICA | 959 | $367K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,999 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,999 | — |
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.