| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANCE INSURANCE GROUP LLC3 Filed as: ALLIANCE INSURANCE GROUP, LLC | P. O. BOX 240518 MONTGOMERY, AL 361240518 | METROPOLITAN LIFE INSURANCE COMPANY | $60K | $3K | $63K | 11.97% |
| DOUG PRIESTER3 | P. O. BOX 940 LAKE JUNALUSKCA, NC 28745 | LIFE INSURANCE COMPANY OF ALABAMA | $1K | — | $1K | 6.88% |
| PERRY L. MCCAIN3 | 71 NEW BINGHAM DRIVE WETUMPKA, AL 36093 | LIFE INSURANCE COMPANY OF ALABAMA | $850 | — | $850 | 5.39% |
| DAVID A. REILLY3 | 8309 WEXFORD WAY MONTGOMERY, AL 36117 | LIFE INSURANCE COMPANY OF ALABAMA | $236 | — | $236 | 1.50% |
| BENEFIT CREATIONS LLC3 | 130 INVERNESS PLAZA BIRMINGHAM, AL 35242 | LIFE INSURANCE COMPANY OF ALABAMA | $200 | — | $200 | 1.27% |
| CLONGGROUP3 | 5771 CARMICHAEL PARKWAY MONTGOMERY, AL 36117 | LIFE INSURANCE COMPANY OF ALABAMA | $109 | — | $109 | 0.69% |
| LICOA BROKERAGE SERVICE INC3 | P. O. BOX 349 GADSDEN, AL 35902 | LIFE INSURANCE COMPANY OF ALABAMA | $64 | — | $64 | 0.41% |
| WM HAYES3 | 117 MERRIBROOK LANE WELLINGTON, AL 36279 | LIFE INSURANCE COMPANY OF ALABAMA | $53 | — | $53 | 0.34% |
| PROFESSIONAL INSURANCE ASSOC. LLC3 | 121 CEDAR DRIVE PRATTVILLE, AL 36066 | LIFE INSURANCE COMPANY OF ALABAMA | $2 | — | $2 | 0.01% |
| 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 | $217K |
| AMERICAN BEHAVIORAL BENEFITS MANAGE EIN 63-1030881 ADMINISTER SELF INSURED | Claims processing Service code 12 | 2204 LAKESHORE DR, ST 135 BIRMINGHAM, AL 35209 | $183K |
| ALLIANCE INSURANCE GROUP, LLC EIN 59-3766006 ADMINISTER FLEXIBLE SPEND | Claims processing Service code 12 | P. O. BOX 240518 MONTGOMERY, AL 361240518 | $9K |
| MAGELLAN RX MANAGEMENT, LLC EIN 46-3708039 PHARMACY BENEFIT MANAGEME | Claims processing; Direct payment from the plan; Other fees Service code 12 | 6871 SHADOWRIDGE DR 111 ORLANDO, FL 32812 | $7K |
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 | 469 | 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) | 469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | LIFE INSURANCE COMPANY OF ALABAMA | 25 | $16K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 819 | $529K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 819 | $529K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 819 | $529K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 819 | $529K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 819 | $529K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 284 | $175K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 819 | $529K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 819 | — |
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.