| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PLANNING SERVICES INC Filed as: BENEFIT PLANNING GROUP | BUILDING 26 SUITE 250 1640 POWERS FERRY ROAD MARIETTA, GA 30067 | HARTFORD LIFE AND ACCIDENT | $80K | — | $80K | 8.21% |
| PALOMAR INSURANCE CORPORATION Filed as: PALOMAR INSURANCE CORP | P O BOX 11128 MONTGOMERY, AL 36111 | HARTFORD LIFE AND ACCIDENT | $63K | — | $63K | 6.45% |
| BENEFIT PLANNING SERVICES INC Filed as: BENEFIT PLANNING GROUP | BUILDING 26 SUITE 250 1640 POWERS FERRY ROAD MARIETTA, GA 30067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $56K | — | $56K | 14.28% |
| PALOMAR INSURANCE CORPORATION | P O BOX 11128 MONTGOMERY, AL 36111 | VISION SERVICE PLAN | $8K | — | $8K | 10.00% |
| BENEFIT PLANNING SERVICES INC Filed as: BENEFIT PLANNING GROUP | BUILDING 26 SUITE 250 1640 POWERS FERRY ROAD MARIETTA, GA 30067 | VISION SERVICE PLAN | $4K | — | $4K | 10.00% |
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 | 1,820 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,820 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD ALABAMA | 3,479 | $14.1M |
| Dental | BLUE CROSS BLUE SHIELD ALABAMA | 3,479 | $14.1M |
| Vision(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD ALABAMA | 3,479 | $14.2M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,603 | $980K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,603 | $1.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,603 | $980K |
| Prescription drug | BLUE CROSS BLUE SHIELD ALABAMA | 3,479 | $14.1M |
| Other | BLUE CROSS BLUE SHIELD ALABAMA | 3,479 | $14.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,479 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.