| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MEDICAL LINK LLC3 | 1305 FRANKLIN AVE STE 225 GARDEN CITY, NY 11530 | AETNA LIFE INSURANCE COMPANY | $32K | — | $32K | 2.11% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD WOODBURY, NY 11797 | AETNA LIFE INSURANCE COMPANY | $28K | — | $28K | 1.83% |
| GLOBAL COVERAGE INC.3 Filed as: GLOBAL COVERAGE INC | 9 E 37TH ST NEW YORK, NY 10016 | AETNA LIFE INSURANCE COMPANY | $18K | — | $18K | 1.20% |
| THE MEDICAL LINK LLC3 | 1305 FRANKLIN AVE GARDEN CITY, NY 11530 | AETNA LIFE INSURANCE COMPANY | $9K | — | $9K | 0.59% |
| COMPREHENSIVE INSURANCE SOLUTIONS3 | 5550 PAINTED MIRAGE ROAD SUITE 320 LAS VEGAS, NV 89149 | HEALTH PLAN OF NEVADA | $49K | — | $49K | 4.93% |
| COMPREHENSIVE INSURANCE SOLUTIONS3 Filed as: COMPREHENSIVE INSURANCE SOLUTI | 5550 PAINTED MIRAGE RD SUITE 320 LAS VEGAS, NV 89149 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 6.80% |
| THE MEDICAL LINK LLC3 | 1305 FRANKLYN AVENUE SUITE 225 GARDEN CITY, NY 11530 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 3.67% |
| LYONS MAURICE LTD3 | 2778 OCEAN BLVD APT 204S PALM BEACH, FL 33480 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.14% |
| SHELTON BENEFITS LLC3 | P.O. BOX 555 ELBERTA, AL 36530 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $869 | $6K | 14.07% |
| KELLIE WELLS3 | 16281 SAVOY PORT FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 8.10% |
| MELISSA BILLINGSLEY3 | 1509 GOVERNMENT ST MOBILE, AL 36604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $774 | $2K | $3K | 7.05% |
| MARK ADAM WELLS3 | 22 DOCTORS DR STE B OCEAN SPRINGS, MS 39564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $183 | $1K | $1K | 3.80% |
| MAKING BENEFITS COUNT LLC3 | 18172 SECTION ST FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $741 | $303 | $1K | 2.66% |
| PJ SKELTON LLC3 | 1580 CLUB CREEK DRIVE AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $370 | $667 | $1K | 2.65% |
| BARDEN AND ASSOCIATES LLC3 | 344 KARIS DR DADEVILLE, AL 36853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $267 | $146 | $413 | 1.05% |
| AMELIA ANN BARDEN3 | 344 KARIS DR DADEVILLE, AL 36853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $132 | $117 | $249 | 0.64% |
| LEWIS ASHTON BROCK III3 | 8776 SPRING GROVE NORTH MOBILE, AL 36695 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $135 | $73 | $208 | 0.53% |
| MINOR AND ASSOCIATES INC3 | 2146 PRESERVE DR AUBURN, AL 36879 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.12% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.11% |
| THE KLATT GROUP LLC3 | 23836-H W. CYPRESS WAY ORANGE BEACH, AL 36561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| MEAGAN NICOLE TALBERT3 | 10440 GAYFER ROAD EXT FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| CHANE SAMANTHA HINES3 | 927 KINBLE ROCK COURT LAS VEGAS, NV 89149 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| AUBURN BENEFITS SOLUTIONS LLC3 | 300 LEE RD 669 AUBURN, AL 36832 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SHELTON BENEFITS LLC3 | P.O. BOX 555 ELBERTA, AL 36530 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $817 | $5K | 13.39% |
| MAKING BENEFITS COUNT LLC3 | 18172 SECTION ST FAIRHOPE, AL 36853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $4K | 9.21% |
| MELISSA BILLINGSLEY3 | 1509 GOVERNMENT ST MOBILE, AL 36604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $750 | $2K | $3K | 7.09% |
| MARK ADAM WELLS3 | 22 DOCTORS DR STE B OCEAN SPRINGS, MS 39564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $182 | $1K | $1K | 3.84% |
| PJ SKELTON LLC3 | 1580 CLUB CREEK DRIVE AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $399 | $735 | $1K | 2.97% |
| KELLIE WELLS3 | 16281 SAVOY PORT FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $655 | $226 | $881 | 2.31% |
| BARDEN AND ASSOCIATES LLC3 | 344 KARIS DR DADEVILLE, AL 36853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $292 | $170 | $462 | 1.21% |
| AMELIA ANN BARDEN3 | 344 KARIS DR DADEVILLE, AL 36853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $120 | $113 | $233 | 0.61% |
| MINOR AND ASSOCIATES INC3 | 2146 PRESERVE DR AUBURN, AL 36879 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 0.26% |
| LEWIS ASHTON BROCK III3 | 8776 SPRING GROVE NORTH MOBILE, AL 36695 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $29 | $82 | 0.21% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.14% |
| MEAGAN NICOLE TALBERT3 | 10440 GAYFER ROAD EXT FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.03% |
| THE KLATT GROUP LLC3 | 23836-H W. CYPRESS WAY ORANGE BEACH, AL 36561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| THE MEDICAL LINK LLC3 | 1305 FRANKLIN AVE STE 210 GARDEN CITY, NY 115301630 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $271 | $2K | 13.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | LIFE INSURANCE COMPANY OF BOSTON & NEW YORK | $101 | — | $101 | 9.97% |
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 | 320 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 305 | $3.0M |
| Dental(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 212 | $687K |
| Vision(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 212 | $687K |
| Life insurance(5 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 212 | $272K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 212 | $181K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA | 305 | $1.4M |
| Other(5 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 212 | $644K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.