| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GRP | 3350 RIVERWOOD PARKWAY STE 80 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $290K | $36K | $326K | 24.00% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 1 N WHITE HORSE PIKE #2 HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $276 | — | $276 | 0.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30 | — | $30 | 0.00% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GRP | 3350 RIVERWOOD PKWY STE 80 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $209K | $24K | $233K | 28.88% |
| CUSTOM BENEFIT PROGRAMS INC3 | 1 N WHITE HORSE PIKE #2 HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $3K | $11K | 1.41% |
| DWIGHT L PIERCE3 Filed as: DWIGHT PIERCE | 20 WIGHT AVE, STE 160 DIV 15 COCKEYSVILLE, MD 21030 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATESERVICES, INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $872 | — | $872 | 0.11% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - WINSTON | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $686 | — | $686 | 0.09% |
| DWIGHT L PIERCE3 Filed as: DWIGHT PIERCE/US BENTEC WORKPLACE | 700 W HILLSBORO BLVD DEERFIELD BEACH, FL 33441 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.00% |
| NEWSON, RAYMOND, PERRY3 | 80 INTERNATIONAL DR STE 425 GREENVILLE, SC 29615 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING- WASHINGTO DC | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| CHRISTINA N BYRON3 Filed as: CHRISTINA BYRON | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES HOUSTON | 5444 WESTHEIMER RD 900 HOUSTON, TX 77056 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATIES INSURANCE GROUP | 1 KELLY WAY SPARKS, MD 21152 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $9K | — | $9K | 12.00% |
| MELISSA PETERS4 | 13121 GENTRY DR HAGERSTOWN, MD 21742 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $1K | — | $1K | 2.00% |
| JAMES R WORTHY4 | 519 BOND AVE REISTERSTOWN, MD 21136 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $1K | — | $1K | 2.00% |
| PHILLIP J SEAMAN JR4 Filed as: PHILLIP SEAMAN JR | 551 HIDDEN STREAM CT WESTMINSTER, MD 21158 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $719 | — | $719 | 1.00% |
| CHRISTIAN BUSINESS NETWORK4 | PO BOX 44071 BALTIMORE, MD 21236 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $719 | — | $719 | 1.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD NC EIN 56-0894904 NONE | Claims processing; Contract Administrator Service code 12 | — | $612K |
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 | 10,368 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 50 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 7,587 | $3.8M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 6,391 | $773K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 10,368 | $1.0M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,191 | $784K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,789 | $1.6M |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,368 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,368 | — |
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.