| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $912 | $10K | 4.26% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1302 NORTH 19TH STREET, SUITE 150 TAMPA, FL 33605 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $235 | $7K | 2.89% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN AND HALL, INC. | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $363 | $6K | 2.50% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $444 | $6K | 2.36% |
| JOSEPH DUCKETT3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 2.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $175 | $2K | 7.76% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN AND HALL, INC. | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $74 | $1K | 5.28% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1302 NORTH 19TH STREET, SUITE 150 TAMPA, FL 33605 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $60 | $2K | 13.45% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $973 | $107 | $1K | 6.98% |
| JOSEPH DUCKETT3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $297 | $0 | $297 | 1.92% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN AND HALL, INC. | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $1 | $21 | 0.14% |
| ASSUREX3 | 175 SOUTH 3RD STREET, SUITE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $1 | $1 | 0.01% |
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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 160 | $24K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 411 | $261K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 411 | $245K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 411 | $245K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.