| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDICO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1.1M | $187K | $1.3M | 75.68% |
| EMPLOYEE BENEFIT SPECIALISTS3 Filed as: EMPLOYEE BENEFIT SPECIALISTS PA | 169A LAMEUSE ST BILOXI, MS 395303810 | AMERITAS LIFE INSURANCE CORP. | $110K | $0 | $110K | 10.54% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DR NASHVILLE, TN 372043709 | AMERITAS LIFE INSURANCE CORP. | $47K | $0 | $47K | 4.46% |
| EMPLOYER ADVOCATES LLC3 Filed as: EMPLOYER ADVOATES LLC | PO BOX 269031 OKLAHOMA CITY, OK 73126 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $40K | $0 | $40K | 6.80% |
| EMPLOYER ADVOCATES LLC3 Filed as: EMPLOYER ADVOCATES | PO BOX 269031 OKLAHOMA CITY, OK 731269031 | VISION SERVICE PLAN | $31K | $0 | $31K | 6.21% |
| EMPLOYER ADVOCATES LLC3 | PO BOX 269031 OKLAHOMA CITY, OK 731269031 | VISION SERVICE PLAN | $119 | $0 | $119 | 7.00% |
| EMPLOYEE BENEFIT SPECIALISTS3 Filed as: EMPLOYEE BENEFIT SPECIALISTS PA | 169A LAMEUSE ST. BILOXI, MS 395303810 | AMERITAS LIFE INSURANCE CORP | $60 | $0 | $60 | 8.33% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DR. NASHVILLE, TN 372043709 | AMERITAS LIFE INSURANCE CORP | $48 | $0 | $48 | 6.67% |
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 | 6,613 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,641 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | AMERITAS LIFE INSURANCE CORP. | 5,852 | $1.0M |
| Vision(2 contracts) | VISION SERVICE PLAN | 3,662 | $501K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,613 | $3.6M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,613 | $3.0M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,613 | $5.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,613 | — |
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.