| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBENCONCEPTS COMPANY3 | 15305 DALLAS PKWY STE 800 ADDISON, TX 75001 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | — | $14K | 8.30% |
| RSC INSURANCE BROKERAGE INC3 | 2040 MAIN ST STE 450 IRVINE, CA 92614 | PRINCIPAL LIFE INSURANCE COMPANY | — | $6K | $6K | 3.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.65% |
| EBENCONCEPTS COMPANY3 | 15305 DALLAS PKWY. STE. 800 DALLAS, TX 75001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $6K | $26K | 16.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIMI | 55 E JACKSON BLVD FLOOR 14B CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH L | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $842 | $842 | 0.55% |
| EBENCONCEPTS COMPANY3 | 15305 DALLAS PKWY. STE. 800 DALLAS, TX 75001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $10K | 18.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIMI | 55 E JACKSON BLVD FLOOR 14B CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH L | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $412 | $412 | 0.79% |
| SOUTHERN BENEFITS CONSULTING3 | PO BOX 306 RICHMOND HILL, GA 31324 | WELLFLEET | $17K | — | $17K | 35.29% |
| VOLUNTARY BENEFITS AT WORK3 Filed as: VOLUNTARY BENEFITS AT WORK, INC. | 3000 WINDY HILL RD. SE #672617 MARIETTA, GA 30006 | WELLFLEET | $5K | — | $5K | 11.12% |
| EBENCONCEPTS COMPANY3 | 15305 DALLAS PKWY. STE. 800 ADDISON, TX 75001 | WELLFLEET | $5K | — | $5K | 10.90% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP LLC | PO BOX 161690 AUSTIN, TX 78716 | WELLFLEET | $3K | — | $3K | 6.50% |
| SOUTHERN BENEFITS CONSULTING3 | PO BOX 306 RICHMOND HILL, GA 31324 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 60.51% |
| EBENCONCEPTS COMPANY3 | PO BOX 16053 SAVANNAH, GA 31416 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 19.51% |
| VOLUNTARY BENEFITS AT WORK3 Filed as: VOLUNTARY BENEFITSAT WORK | 1090 HERSHEY DRIVE SE MARIETTA, GA 30062 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.01% |
| EBENCONCEPTS COMPANY3 | 15305 DALLAS PKWY. STE. 800 DALLAS, TX 75001 | FIRST UNUM LIFE INSURANCE COMPANY | $153 | $51 | $204 | 16.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIMI | 55 E JACKSON BLVD FLOOR 14B CHICAGO, IL 60604 | FIRST UNUM LIFE INSURANCE COMPANY | $30 | — | $30 | 2.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH L | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | FIRST UNUM LIFE INSURANCE COMPANY | — | $10 | $10 | 0.82% |
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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 333 | $167K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 333 | $167K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 206 | $213K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 206 | $154K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 206 | $154K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 206 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.