| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROGRAMS AN AON CO | 897 12TH ST HAMMONON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3.8M | $527K | $4.3M | 16.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3501 CAUSEWAY BLVD MATARIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $525K | — | $525K | 1.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | 850 UNITED PLAZA BLVD SUITE 300 BATON ROUGE, LA 70809 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $42K | — | $42K | 0.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | 850 UNITED PLAZA BLVD SUITE 500 BATON ROUGE, LA 70809 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $30K | $30K | 0.11% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS CHICAGO | 456 PAYSPHERE CIR CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $212 | — | $212 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADM | PO BOX 310502 DES MOINES, IA 50311 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43 | — | $43 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | MARSH AT WORK PO BOX 10414 DES MOINES, IA 50331 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4 | $4 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 3198 LITTLE ROCK, AR 72203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $174K | $200K | $374K | 1.98% |
| MCGRIFF INSURANCE SERVICES INC3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $174K | $288K | $462K | 2.45% |
| MCGRIFF INSURANCE SERVICES INC3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $84K | $169K | $253K | 2.76% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | — | UNUM LIFE INSURANCE COMPANY OF NORTH AMERICA | $58K | $115K | $173K | 2.76% |
| AGIS NETWORK INC3 | 21252 KRATKY RD ST LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 7.40% |
| GARDNER, KEVIN M3 Filed as: GARDNER, KEVIN | 3510 N CAUSEWAY BLVD SUITE 300 MATARIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 7.40% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 3198 LITTLE ROCK, AR 72203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $811 | $811 | 1.84% |
| MADIGAN, JAMES3 | LOCKBOX 896620 5130 PARKWAY PLAZA BLVD CHARLOTTE, NC 28217 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $406 | — | $406 | 0.92% |
| AGIS NETWORK INC3 | 2122 KRATKY RD ST LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.31% |
| GARDNER, KEVIN M3 Filed as: GARDNER, KEVIN | 3510 N CAUSEWAY BLVD SUITE 300 METARIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.31% |
| MCGRIFF INSURANCE SERVICES INC3 | POP BOX 3198 LITTLE ROCK, AR 72203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $126 | $126 | 1.84% |
| MADIGAN, JAMES3 | LOCKBOX 896620 5130 PARKWAY PLAZA BLVD CHARLOTTE, NC 28217 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $63 | — | $63 | 0.92% |
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 | 104,704 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 345 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 105,049 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 104,704 | $28.1M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 71,629 | $25.1M |
| Other(8 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 104,704 | $56.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104,704 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.