| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROGRAMS AN AON CO. | 897 12TH ST HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6.6M | $975K | $7.5M | 30.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | STE 300 3510 N CAUSEWAY BLVD METARIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1.6M | — | $1.6M | 6.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | STE 300 3510 N CAUSEWAY BLVD METARIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $226K | $226K | 0.91% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS OF TEXAS | 818 TOWN AND COUNTRY BLVD HOUSTON, TX 77024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $263 | $22 | $285 | 0.00% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | PO BOX 3198 LITTLE ROCK, AR 72203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $182K | $342K | $524K | 2.89% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | PO BOX 3198 LITTLE ROCK, AR 72203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $87K | $174K | $261K | 3.00% |
| REGIONS INSURANCE INC3 | PO BOX 3198 LITTLE ROCK, AR 72203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $12K | $12K | 3.07% |
| MADIGAN, JAMES3 | PO BOX 3198 LITTLE ROCK, AR 72203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.00% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | PO BOX 3198 LITTLE ROCK, AR 72203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $11K | $11K | 4.16% |
| MADIGAN, JAMES3 | PO BOX 3198 LITTLE ROCK, AR 72203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.00% |
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 | 103,485 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 103,485 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 102,325 | $27.5M |
| Other(5 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 102,325 | $52.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102,325 | — |
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.