| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE | $85K | — | $85K | 18.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | 8144 WALNUT HILL 16TH FLOOR DALLAS, TX 75231 | AMERICAN HERITAGE LIFE INSURANCE | $35K | — | $35K | 7.80% |
| BRIAN EDWARD JUND3 | 23282 MILL CREEK DRIVE SUITE 390 LAGUNA HILLS, CA 92653 | AMERICAN HERITAGE LIFE INSURANCE | $3K | — | $3K | 0.61% |
| VISUAL BENEFIT COMMUNICATIONS INC3 Filed as: VISUAL BENEFIT | 360BQUALITY CIRCLE NW #220 HUNTSVILLE, AL 35806 | AMERICAN HERITAGE LIFE INSURANCE | $605 | — | $605 | 0.13% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER AND CO | 606 S MENDENHALL ROAD SUITE 200 MEMPHIS, TN 38117 | AMERICAN HERITAGE LIFE INSURANCE | $205 | — | $205 | 0.05% |
| HEATHER DIANE MCFARLAND3 Filed as: HEATHER MCFARLAND | 695 LOVE BRANCH ROAD HARVEST, AL 35749 | AMERICAN HERITAGE LIFE INSURANCE | $39 | — | $39 | 0.01% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 9.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | 8144 WALNUT HILL 16TH FLOOR DALLAS, TX 75231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 4.94% |
| BRIAN EDWARD JUND3 | 23282 MILL CREEK DRIVE SUITE 390 LAGUNA HILLS, CA 92653 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $103 | — | $103 | 0.38% |
| VISUAL BENEFIT COMMUNICATIONS INC3 Filed as: VISUAL BENEFIT | 360B QUALITY CIRCLE #220 HUNTSVILLE, AL 35806 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 0.09% |
| HEATHER DIANE MCFARLAND3 Filed as: HEATHER MCFARLAND | 695 LOVE BRANCH ROAD HARVEST, AL 35749 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Contract Administrator Service code 13 | — | $1.3M |
| UNUM LIFE INSURANCE COMPANY EIN 01-0278678 NONE | Other fees Service code 99 | — | $84K |
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 | 5,644 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 130 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,799 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 108 | $710K |
| Vision | VISION SERVICE PLAN | 2,216 | $198K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,835 | $1.0M |
| Short-term disability | USABLE LIFE | 148 | $26K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,832 | $225K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 2,580 | $1.7M |
| Other(5 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,575 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,575 | — |
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.