| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER ADVOCATES LLC3 | PO BOX 269031 OKLAHOMA CITY, OK 73126 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $35K | $35K | 1.25% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DR NASHVILLE, TN 372043709 | AMERITAS LIFE INSURANCE CORP. | $127K | $0 | $127K | 8.58% |
| EMPLOYEE BENEFIT SPECIALISTS3 Filed as: EMPLOYEE BENEFIT SPECIALISTS PA | 169A LAMEUSE ST BILOXI, MS 395303810 | AMERITAS LIFE INSURANCE CORP. | $95K | $0 | $95K | 6.42% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDICO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $118K | $0 | $118K | 14.96% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP INC. | 5775 E GLENRIDGE DR SUITE 3500 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $378 | $0 | $378 | 0.05% |
| EMPLOYER ADVOCATES LLC3 Filed as: EMPLOYER ADVOCATES | PO BOX 269031 OKLAHOMA CITY, OK 731269031 | VISION SERVICE PLAN | $39K | $0 | $39K | 6.66% |
| EMPLOYER ADVOCATES LLC3 Filed as: EMPLOYER ADVOATES LLC | PO BOX 269031 OKLAHOMA CITY, OK 73126 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $77K | $7K | $84K | 14.54% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $46K | $9K | $55K | 22.97% |
| EMPLOYER ADVOCATES LLC3 | PO BOX 269031 OKLAHOMA CITY, OK 731269031 | VISION SERVICE PLAN | -$5K | $0 | -$5K | -900.00% |
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 | 6,269 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 5,607 | $1.5M |
| Vision(2 contracts) | VISION SERVICE PLAN | 3,458 | $592K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,269 | $3.4M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 480 | $240K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,269 | $2.8M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,269 | $5.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,269 | — |
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.