| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $96 | $4K | 1.35% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $322 | $322 | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 PARK 80, PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $65 | $65 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 85638 SAN DIEGO, CA 92186 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 2.48% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 1.42% |
| DOWDY INSURANCE3 Filed as: DOWDY INSURANCE, LLC | 7352 WALL TRIANA HIGHWAY MADISON, AL 35757 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 9.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 70 WEST POINT, GA 31833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 8.87% |
| KELVIN MICHAEL RICE3 Filed as: KELVIN M. RICE | 688 EARLINE ROAD DOTHAN, AL 36305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $861 | $0 | $861 | 1.10% |
| BARBARA ANN MCNAUGHTON3 Filed as: BARBARA A. MCNAUGHTON | 337 JOLFFIE ROAD GRANT, AL 35747 | CONTINENTAL AMERICAN INSURANCE COMPANY | $207 | $0 | $207 | 0.27% |
| CAROL R. HERNDON3 | 1792 MCKEE ROAD TONEY, AL 35773 | CONTINENTAL AMERICAN INSURANCE COMPANY | $90 | $0 | $90 | 0.12% |
| NATOSHA C. DRAKE3 | 592 BUTTER AND EGG ROAD HAZEL GREEN, AL 35750 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | $0 | $47 | 0.06% |
| UNKNOWN3 | UNKNOWN HUNTSVILLE, AL 35806 | TELADOC | $3K | $0 | $3K | 15.00% |
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 | 646 | 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) | 646 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 687 | $3.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,135 | $278K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,135 | $278K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 646 | $204K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 646 | $204K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 646 | $204K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 687 | $3.8M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 886 | $302K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,135 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.