| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GLOBAL COVERAGE INC.3 | 9 E 37TH ST 4TH FLOOR NEW YORK, NY 10016 | OXFORD HEALTH INSURANCE, INC | $32K | — | $32K | 1.62% |
| THE MEDICAL LINK LLC3 Filed as: THE MEDICAL LINK, LLC | 1305 FRANKLIN AVENUE STE 225 GARDEN CITY, NY 11530 | OXFORD HEALTH INSURANCE, INC | $23K | — | $23K | 1.18% |
| MAURICE LYONS3 Filed as: MAURICE LYONS LTD | 1305 FRANKLYN AVENUE SUITE 225 GARDEN CITY, NY 11530 | OXFORD HEALTH INSURANCE, INC | $12K | — | $12K | 0.62% |
| BRYAN ERDHEIM3 | 1305 FRANKLYN AVENUE SUITE 225 GARDEN CITY, NY 11530 | OXFORD HEALTH INSURANCE, INC | $12K | — | $12K | 0.62% |
| CAPSTONE BROKERAGE INC.3 Filed as: CAPSTONE BROKERAGE INC | 2675 S JONES BLVD STE 102 LAS VEGAS, NV 89146 | PROMINENCE HEALTH PLAN | $29K | — | $29K | 5.00% |
| CAPSTONE BROKERAGE INC.3 Filed as: CAPSTONE BROKERAGE INC | 8681 W SAHARA AVE #100 LAS VEGAS, NV 89117 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | $19K | — | $19K | 4.22% |
| CAPSTONE BROKERAGE INC.3 Filed as: CAPSTONE BROKERAGE INC | 8681 W SAHARA AVE #100 LAS VEGAS, NV 89117 | HMO COLORADO, INC. | $13K | — | $13K | 4.22% |
| CAPSTONE BROKERAGE INC.3 Filed as: CAPSTONE BROKERAGE INC | 8681 W SANARA AVE STE 100 LAS VEGAS, NV 89117 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 6.79% |
| LYONS MAURICE LTD3 | DBA THE MEDICAL LINK 301 MADISON AVENUE 4TH FLOOR NEW YORK, NY 10017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 6.36% |
| JESSICA SHELTON3 | P.O. BOX 555 ELBERTA, AL 36530 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 13.78% |
| MINOR AND ASSOCIATES INC3 | 4626 STARBOARD LANE ORANGE BEACH, AL 36561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $703 | $2K | $3K | 6.27% |
| KELLIE WELLS3 | 9600 COLUMBUS AVE FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $757 | $2K | 5.48% |
| ALABAMA BENEFIT COUNSELORS LLC3 | 4626 STARBOARD LANE ORANGE BEACH, AL 36561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $504 | $1K | $2K | 4.05% |
| CARLE ANNMARIE FORD3 | 54722 COLEMAN RD PERDIDO, AL 36562 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.54% |
| TIMOTHY R KLATT3 | 23836-H W. CYPRESS WAY ORANGE BEACH, AL 36561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $191 | $987 | $1K | 2.86% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $476 | $651 | $1K | 2.73% |
| MELISSA BILLINGSLEY3 | 11600 TANNER WILLIAMS RD MOBILE, AL 36608 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | $962 | $1K | 2.51% |
| NORMAN SOREN3 | 630 NORMAN LN FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $438 | $222 | $660 | 1.60% |
| RICHARD BOWEN3 | 1701 WOODBRIDGE CIR FOLEY, AL 36535 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $538 | — | $538 | 1.30% |
| THOMAS WAYNE HOPPER3 | PO BOX 306 MOBILE, AL 36601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $445 | $24 | $469 | 1.14% |
| MEAGAN NICOLE TALBERT3 | 10440 GAYFER ROAD EXT FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $140 | — | $140 | 0.34% |
| KEVIN WRIGHT3 | 877 BONNEVILLE DR MOBILE, AL 36695 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | $33 | $93 | 0.23% |
| LANE O MINOR3 | 4626 STARBOARD LN ORANGE BEACH, AL 36561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.06% |
| JOE MYKUT3 | 1500 BAY ROAD MIAMI BEACH, FL 33139 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $7 | $9 | 0.02% |
| CHANE SAMANTHA HINES3 | 300 LEE RD 669 AUBURN, AL 36832 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| TASHA QUINNELLY3 | 155 COUNTRY CLUB DRIVE DAPHNE, AL 36526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| MARUICE LYONS LTD3 | 301 MADISON AVE FL 4 NEW YORK, NY 100178103 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 6.69% |
| THE MEDICAL LINK LLC3 | 1305 FRANKLIN AVE STE 225 GARDEN CITY, NY 115301661 | METROPOLITAN LIFE INSURANCE COMPANY | $576 | — | $576 | 2.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE | 100 SUNNYSIDE BLVD. WOODBURY, NY 11797 | LIFE INSURANCE COMPANY OF BOSTON & NEW YORK | $142 | — | $142 | 9.99% |
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 | 451 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 464 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | OXFORD HEALTH INSURANCE, INC | 389 | $3.7M |
| Dental(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 520 | $693K |
| Vision(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 520 | $693K |
| Life insurance(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 439 | $324K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 297 | $261K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 78 | $327K |
| Other(5 contracts, 5 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 439 | $659K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 520 | — |
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."
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.