| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1120 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $248K | $200K | $448K | 1.81% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1120 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $222K | $350K | $572K | 2.58% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1120 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $160K | $218K | $378K | 2.37% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM INSURANCE COMPANY | $1.2M | $0 | $1.2M | 12.49% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1120 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | UNUM INSURANCE COMPANY | $222K | $0 | $222K | 2.40% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM INSURANCE COMPANY | $76K | $0 | $76K | 0.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD, FLOOR 14B CHICAGO, IL 60604 | UNUM INSURANCE COMPANY | $10K | $0 | $10K | 0.11% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM INSURANCE COMPANY | $1.1M | $0 | $1.1M | 13.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD, FLOOR 14B CHICAGO, IL 60604 | UNUM INSURANCE COMPANY | $126K | $0 | $126K | 1.49% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1120 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | UNUM INSURANCE COMPANY | $54K | $0 | $54K | 0.64% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $840K | $235K | $1.1M | 13.77% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SVCS & VARIOUS AGENTS | 1120 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $81K | $17K | $97K | 1.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD, FLOOR 14B CHICAGO, IL 60604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $83K | $0 | $83K | 1.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | 3510 N CAUSEWAY BLVD, SUITE 300 METAIRIE, LA 70002 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $5K | $5K | 0.06% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | 3445 PEACHTREE ROAD, SUITE 200 ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 0.05% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $617 | $58 | $675 | 0.01% |
| BALSAR, BARBARA B3 | 3475 LENOX ROAD NE, SUITE 970 ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $382 | $0 | $382 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1120 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $77K | $153K | $230K | 3.00% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM INSURANCE COMPANY | $644K | $0 | $644K | 13.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD, FLOOR 14B CHICAGO, IL 60604 | UNUM INSURANCE COMPANY | $70K | $0 | $70K | 1.42% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1120 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | UNUM INSURANCE COMPANY | $45K | $0 | $45K | 0.91% |
| STRATEGIC NON-MEDICAL SOLUTION3 | ONE BEACON STREET SUITE 17100 BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | 6.90% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1120 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 4.83% |
| GARDNER, KEVIN M3 | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 0.51% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $57K | $67K | 40.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD, FLOOR 14B CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | 3510 N CAUSEWAY BLVD, SUITE 300 METAIRIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $315 | $0 | $315 | 0.19% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $121 | $0 | $121 | 0.07% |
| STRATEGIC NON-MEDICAL SOLUTION3 | ONE BEACON STREET SUITE 17100 BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 6.79% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1120 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 4.98% |
| GARDNER, KEVIN M3 | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $50 | $0 | $50 | 0.21% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | FIRST UNUM LIFE INSURANCE COMPANY | $5 | $57K | $57K | 46461.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD, FLOOR 14B CHICAGO, IL 60604 | FIRST UNUM LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.81% |
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 | 110,142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 347 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 110,489 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99,999 | $45.9M |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 83,979 | $32.5M |
| Other(9 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99,999 | $62.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 99,999 | — |
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.