| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANCE INSURANCE GROUP LLC3 Filed as: ALLIANCE INSURANCE GROUP, LLC | PO BOX 240518 MONTGOMERY, AL 36124 | GULF GUARANTY LIFE | $111K | — | $111K | 10.00% |
| PALOMAR INSURANCE CORPORATION3 | 4525 EXECUTIVE PARK DRIVE SUITE 202 MONTGOMERY, AL 36116 | GULF GUARANTY LIFE | $111K | — | $111K | 10.00% |
| PALOMAR INSURANCE CORPORATION3 | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $131K | $18K | $149K | 15.86% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHED | — | AFLAC | $90K | $2K | $92K | 18.81% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 8700 WEST BRYN MAWR STE 900 S. CHICAGO, IL 60631 | STANDARD INSURANCE COMPANY | $41K | — | $41K | 11.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 3440 PRESTON RIDGE RD. #325 ALPHARETTA, GA 30005 | STANDARD INSURANCE COMPANY | — | $11K | $11K | 2.93% |
| DIGITAL INSURANCE LLC3 | 8700 WEST BRYN MAWR STE 900 S. CHICAGO, IL 60631 | STANDARD INSURANCE COMPANY | $38K | — | $38K | 11.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 3440 PRESTON RIDGE RD. #325 ALPHARETTA, GA 30005 | STANDARD INSURANCE COMPANY | — | $10K | $10K | 2.93% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 8700 WEST BRYN MAWR STE 900 S CHICAGO, IL 60631 | STANDARD INSURANCE COMPANY | $37K | — | $37K | 11.26% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 3440 PRESTON RIDGE RD. #325 ALPHARETTA, GA 30005 | STANDARD INSURANCE COMPANY | — | $10K | $10K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $6K | $467 | $6K | 2.80% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 8700 WEST BRYN MAWR STE 900S CHICAGO, IL 60631 | STANDARD INSURANCE COMPANY | $129K | — | $129K | 61.26% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 3440 PRESTON RIDGE RD. #325 ALPHARETTA, GA 30005 | STANDARD INSURANCE COMPANY | — | $8K | $8K | 4.00% |
| PALOMAR INSURANCE CORPORATION3 | PO BOX 240849 MONTGOMERY, AL 36124 | VISION SERVICE PLAN | $11K | — | $11K | 9.87% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD. STE 300 BETHESDA, MA 20814 | VISION SERVICE PLAN | $525 | — | $525 | 0.49% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $5K | — | $5K | 9.82% |
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 | 2,477 | 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) | 2,477 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 3,501 | $26.9M |
| Dental(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 3,501 | $26.0M |
| Vision(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 729 | $373K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 951 | $1.3M |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 950 | $1.3M |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 950 | $1.3M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,524 | $7.7M |
| Other(2 contracts, 2 carriers) | GULF GUARANTY LIFE | 1,557 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,501 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.