| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND, KS 66211 | HARTFORD LIFE AND ACCIDENT | $277K | $52K | $329K | 6.19% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | HARTFORD LIFE AND ACCIDENT | $277K | $0 | $277K | 5.21% |
| CHILD HEALTH CORPORATION OF AMERICA3 | 16011 COLLEGE BOULEVARD, SUITE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $247K | $30K | $277K | 5.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $89K | $89K | 1.67% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $58K | $58K | 1.08% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $35K | $3K | $38K | 7.42% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $35K | $3K | $37K | 7.37% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH | 22 INVERNESS CENTER PARKWAY SUITE 100 BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $935 | $0 | $935 | 0.18% |
| FLEXIBLE CORPORATE PLANS INC3 Filed as: FLEXIBLE CORPORATE PLANS, INC. | PO BOX 7631 MADISON, WI 53707 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $811 | $0 | $811 | 0.16% |
| SHELBY BENEFIT CONSULTANTS, INC.3 | PO BOX 381717 BIRMINGHAM, AL 35238 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $355 | $0 | $355 | 0.07% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | AMERITAS LIFE INSURANCE CORPORATION | $40K | $0 | $40K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $15K | $15K | 3.63% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE, INC. | 1901 ROXBOROUGH ROAD, SUITE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $122 | $7K | 7.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $2K | $2K | 1.97% |
| STEPHEN WAYNE WALKER3 | PO BOX 130429 BIRMINGHAM, AL 35213 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.23% |
| SHELBY BENEFIT CONSULTANTS, INC.3 | PO BOX 381717 BIRMINGHAM, AL 35238 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE, INC. | 1901 ROXBOROUGH ROAD, SUITE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $471 | $7K | 12.74% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $2K | $2K | 3.90% |
| STEPHEN WAYNE WALKER3 | PO BOX 130429 BIRMINGHAM, AL 35213 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 3.12% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | 3445 PEACHTREE ROAD NE, SUITE 200 ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $30 | $30 | 0.06% |
| SHELBY BENEFIT CONSULTANTS, INC.3 | PO BOX 381717 BIRMINGHAM, AL 35238 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE, INC. | 1901 ROXBOROUGH ROAD, SUITE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $978 | $129 | $1K | 9.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $446 | $446 | 3.73% |
| STEPHEN WAYNE WALKER3 | PO BOX 130429 BIRMINGHAM, AL 35213 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $230 | $0 | $230 | 1.92% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | 3445 PEACHTREE ROAD NE, SUITE 200 ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $26 | $26 | 0.22% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 250 ATLANTA, GA 30305 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $2K | $0 | $2K | 25.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20 | $0 | $20 | 2.58% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20 | $0 | $20 | 2.58% |
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 | 4,531 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,566 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 6,683 | $403K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,952 | $5.8M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 4,952 | $5.3M |
| Long-term disability(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,952 | $5.5M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 5,250 | $5.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,683 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.