| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, IN | MCGRIFF INSURANCE - EB COMMISS PO BOX 896620 CHARLOTTE, NC 282896620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $214K | $200K | $414K | 1.93% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, IN | MCGRIFF INSURANCE - EB COMMISS PO BOX 896620 CHARLOTTE, NC 282896620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $211K | $303K | $513K | 2.44% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, IN | MCGRIFF INSURANCE - EB COMMISS PO BOX 896620 CHARLOTTE, NC 282896620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $101K | $202K | $303K | 3.00% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH ST HAMMONTON, NJ 08037 | UNUM INSURANCE COMPANY | $721K | — | $721K | 9.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIMI | FLOOR 14B 55 E JACKSON BLVD CHICAGO, IL 60604 | UNUM INSURANCE COMPANY | $111K | — | $111K | 1.51% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH ST HAMMONTON, NJ 08037 | UNUM INSURANCE COMPANY | $705K | — | $705K | 9.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIMI | FLOOR 14B 55 E JACKSON BLVD CHICAGO, IL 60604 | UNUM INSURANCE COMPANY | $108K | — | $108K | 1.50% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, IN | MCGRIFF INSURANCE - EB COMMISS PO BOX 896620 CHARLOTTE, NC 282896620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $66K | $132K | $197K | 3.00% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFIT PROGRAMS AN | AON COMPANY 897 12TH ST HAMMONON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $130K | $16K | $145K | 2.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3501 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 0.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF | SOUTH LIMITED STE 300 3501 N CAUSEWAY BLVD METAIRIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 0.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF | SOUTH LIMITED STE 500 8550 UNITED PLAZZA BLVD BATON ROUGE, LA 70809 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $452 | $452 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS CHICAGO | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $76 | — | $76 | 0.00% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH ST HAMMONTON, NJ 08037 | UNUM INSURANCE COMPANY | $352K | — | $352K | 9.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIMI | FLOOR 14B 55 E JACKSON BLVD CHICAGO, IL 60604 | UNUM INSURANCE COMPANY | $54K | — | $54K | 1.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | STE 300 12647 ALCOSTA BLVD SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 7.18% |
| GARDNER, KEVIN M3 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 7.18% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, IN | MCGRIFF INSURANCE - EB COMMISS PO BOX 896620 CHARLOTTE, NC 282896620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $798 | $798 | 2.00% |
| MADIGAN, JAMES3 | LOCKBOX 896620 5130 PARKWAY PLAZA BLVB CHARLOTTE, NC 28217 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $399 | — | $399 | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | STE 300 12647 ALCOSTA BLVD SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.39% |
| GARDNER, KEVIN M3 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.39% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, IN | MCGRIFF INSURANCE - EB COMMISS PO BOX 896620 CHARLOTTE, NC 282896620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $109 | $109 | 1.99% |
| MADIGAN, JAMES3 | LOCKBOX 896620 5130 PARKWAY PLAZA BLVB CHARLOTTE, NC 28217 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $55 | — | $55 | 1.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, IN | MCGRIFF INSURANCE - EB COMMISS PO BOX 896620 CHARLOTTE, NC 282896620 | FIRST UNUM LIFE INSURANCE COMPANY | $789 | $105 | $894 | 17.00% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFIT PROGRAMS AN | AON COMPANY 897 12TH ST HAMMONON, NJ 08037 | FIRST UNUM LIFE INSURANCE COMPANY | $5 | — | $5 | 2.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3501 N. CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | FIRST UNUM LIFE INSURANCE COMPANY | $1 | — | $1 | 0.41% |
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 | 106,311 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 315 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106,626 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 104,284 | $31.2M |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 74,200 | $28.0M |
| Other(12 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 104,284 | $56.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104,284 | — |
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.