| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBSAMEN INSURANCE INC3 Filed as: REBSAMEN INSURANCE INC REGIONS INSU | DEPT 268 PO BOX 11407 BIRMINGHAM, AL 352460268 | AETNA HEALTH, INC. | $17K | — | $17K | 0.35% |
| REBSAMEN INSURANCE INC3 Filed as: REBSAMEN INSURANCE INC REGIONS INSU | DEPT 268 PO BOX 11407 BIRMINGHAM, AL 352460268 | AETNA LIFE INSURANCE CO. | $14K | — | $14K | 0.78% |
| REBSAMEN INSURANCE INC3 Filed as: REBSAMEN INSURANCE INC REGIONS INSU | DEPT 268 PO BOX 11407 BIRMINGHAM, AL 352460268 | AETNA LIFE INSURANCE CO. | — | $0 | $0 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - FLORI | C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 303741738 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 11.89% |
| EBENEFIT MARKETPLACE, LLC3 Filed as: EBENEFIT MARKETPLACE LLC | 23 MAIDEN LN NORTH HAVEN, CT 06473 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 2.38% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES -ST | 2ND FLOOR 12485 28TH STREET NORTH ST. PETERSBURG, FL 33716 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $581 | $5K | 2.33% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES HOM | ATTN BONNIE EDWARDS 414 GALLIMORE DAIRY RD, STE F GREENSBORO, NC 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| HODGES-MACE BENEFITS GRP INC3 | 5775 E GLENRIDGE DR STE 500 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $69K | $13K | $82K | 41.37% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC FLORIDA SERI | C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $1K | $15K | 7.34% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC HOME OFFICE | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, KS 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - FLORI | C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 303741738 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 4.19% |
| EBENEFIT MARKETPLACE, LLC3 Filed as: EBENEFIT MARKETPLACE LLC | 23 MAIDEN LN NORTH HAVEN, CT 06473 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.30% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES -ST | 2ND FLOOR 12485 28TH STREET NORTH ST. PETERSBURG, FL 33716 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.86% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES HOM | ATTN BONNIE EDWARDS 414 GALLIMORE DAIRY RD, STE F GREENSBORO, NC 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REBSAMEN INSURANCE INC BROKER | Insurance agents and brokers Service code 22 | REGIONS INSURANCE DEPT 268 PO BOX 11407 BIRMINGHAM, AL 352460268 | $59K |
| RESAMEN INSURANCE INC BROKER | Insurance agents and brokers Service code 22 | REGIONS INSURANCE DEPT 268 PO BOX 11407 BIRMINGHAM, AL 352460268 | $25K |
| REGIONS INS INC DBA REGIONS LIFE BR EIN 71-0621654 BROKER | Insurance agents and brokers Service code 22 | — | $0 |
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 | 1,794 | 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) | 1,794 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 928 | $1.8M |
| Dental | AETNA LIFE INSURANCE CO. | 928 | $1.8M |
| Vision | AETNA LIFE INSURANCE CO. | 928 | $1.8M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 936 | $128K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 766 | $212K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 936 | $341K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,794 | $327K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,794 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.