| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID A. REILLY3 Filed as: DAVID A. REILLY, SR. | 8309 WEXFORD WAY MONTGOMERY, AL 36117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38K | — | $38K | 13.00% |
| KENNETH M. WOODHAM JR3 Filed as: KENNETH WOODHAM, JR. | 272 WINDY HILL ROAD AUBURN, AL 36830 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 7.00% |
| ALLIANCE INSURANCE GROUP LLC3 | 2595 BELL ROAD MONTGOMERY, AL 36117 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $4K | $21K | 15.41% |
| ALLIANCE INSURANCE GROUP LLC3 | P. O. BOX 240518 MONTGOMERY, AL 361240518 | HCC LIFE INSURANCE CO. | $12K | — | $12K | 9.99% |
| ALLIANCE INSURANCE GROUP LLC3 | 2595 BELL ROAD MONTGOMERY, AL 36117 | THE GUARDIAN LIFE INSURANCE CO. | $3K | $921 | $4K | 12.95% |
| DOUG PRIESTER3 | P. O. BOX 940 LAKE JUNALUSKCA, NC 36123 | LIFE INSURANCE CO. OF ALABAMA | $2K | — | $2K | 9.89% |
| PERRY L. MCCAIN | 71 NEW BINGHAM DRIVE WETUMPKA, AL 36093 | LIFE INSURANCE CO. OF ALABAMA | $794 | — | $794 | 4.11% |
| DAVID A. REILLY3 Filed as: DAVID A. REILLY, SR. | 8309 WEXFORD WAY MONTGOMERY, AL 36117 | LIFE INSURANCE CO. OF ALABAMA | $392 | — | $392 | 2.03% |
| DAVID A. REILLY3 | 8309 WEXFORD WAY MONTGOMERY, AL 36117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $972 | — | $972 | 9.87% |
| KENNETH M. WOODHAM JR3 | 272 WINDY HILL ROAD AUBURN, AL 36830 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $523 | — | $523 | 5.31% |
| N/A | — | METROPOLITAN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| KEITH BELICH | 2740 CENTRAL PARKWAY MONTGOMERY, AL 36106 | AFLAC | $5 | — | $5 | 2.89% |
| ENTERPRISE GENERAL INSURANCE AGENCY | 300 DAVIDSON AVENUE SOMERSET, NJ 08873 | AFLAC | $4 | — | $4 | 2.31% |
| SAIC INC Filed as: SAIC INC. | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $4 | — | $4 | 2.31% |
| JOHN BRADY LAWSON Filed as: JOHN LAWSON | 921 ILA MAE DRIVE NORTHPORT, AL 35473 | AFLAC | $3 | — | $3 | 1.73% |
| DAVID POTTS | 3249 HAMMOND DRIVE MONTGOMERY, AL 36116 | AFLAC | $2 | — | $2 | 1.16% |
| SCOTT J RUSSELL Filed as: SCOTT RUSSELL | 4238 MCFARLAND BLVD NORTHPORT, AL 35476 | AFLAC | $2 | — | $2 | 1.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF ALABA EIN 63-0103830 ADMINISTER SELF INSURED | Claims processing Service code 12 | 450 RIVERCHASE PKWY EAST BIRMINGHAM, AL 35298 | $144K |
| AMERICAN BEHAVIORAL BENEFITS MANAGE EIN 63-1030881 ADMINISTER SELF INSURED | Claims processing Service code 12 | 2204 LAKESHORE DR, ST 135 BIRMINGHAM, AL 35209 | $33K |
| PARTNERS RX MANAGEMENT, LLC EIN 86-1042036 PHARMACY BENEFIT MANAGEME | Claims processing Service code 12 | 15950 N 76TH ST 200 SCOTTSDALE, AZ 85260 | $8K |
| ALLIANCE INSURANCE GROUP, LLC EIN 59-3766006 ADMINISTER FLEXIBLE SPEND | Claims processing Service code 12 | P. O. BOX 240518 MONTGOMERY, AL 361240518 | $8K |
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 | 316 | 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) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | LIFE INSURANCE CO. OF ALABAMA | 30 | $19K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 224 | $138K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 224 | $169K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 316 | $305K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 316 | $292K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 316 | $292K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE CO. | 228 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.