| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | P.O. BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $5K | $15K | 4.08% |
| PETER J MACE3 Filed as: PETER J. MACE | 5775 E. GLENRIDGE DR., SUITE 500 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 6.56% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | P.O. BOX 905494 CHARLOTTE, WA 292805494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $698 | $5K | 10.39% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | P.O. BOX 905494 SEATTLE, WA 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $671 | $9K | 17.46% |
| PETER J MACE3 Filed as: PETER J. MACE | 5775 E. GLENRIDGE DR., SUITE 500 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $646 | — | $646 | 2.14% |
| DWIGHT L PIERCE3 Filed as: DWIGHT L. PIERCE | BENEFITS TECHNOLOGIES - DIV 15 20 WIGHT AVE., SUITE 160 COCKEYSVILLE, MD 21030 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $354 | — | $354 | 1.17% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | P.O. BOX 905494 CHARLOTTE, NC 28290 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $177 | — | $177 | 0.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PREMERA BLUE CROSS NONE | Contract Administrator; Direct payment from the plan Service code 13 | P.O. BOX 91060 SEATTLE, WA 981119160 | $364K |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $45K |
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 | 1,110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,110 | $447K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,110 | $367K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,110 | $418K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,110 | $479K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,110 | — |
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.