| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | P. O. BOX 240518 MONTGOMERY, AL 36124 | GUARDIAN | $52K | — | $52K | 11.12% |
| ALLIANCE INSURANCE GROUP LLC3 Filed as: ALLIANCE INSURANCE GROUP | P. O. BOX 240518 MONTGOMERY, AL 361240518 | HCC LIFE INSURANCE COMPANY | $21K | — | $21K | 10.45% |
| ALLIANCE INSURANCE GROUP LLC3 Filed as: ALLIANCE INSURANCE GROUP | P. O. BOX 240518 MONTGOMERY, AL 361240518 | AMERICAN BEHAVIORAL BENEFITS MANAGERS | — | — | $0 | 0.00% |
| DOUG PRIESTER3 | 420 FRANK DAVIS ROAD WAYNESVILLE, NC 28785 | LIFE INSURANCE COMPANY OF ALABAMA | $722 | — | $722 | 4.52% |
| PERRY L. MCCAIN3 | 71 NEW BINGHAM DRIVE WETUMPKA, AL 36093 | LIFE INSURANCE COMPANY OF ALABAMA | $458 | — | $458 | 2.87% |
| DAVID A. REILLY3 | 8309 WEXFORD WAY MONTGOMERY, AL 36117 | LIFE INSURANCE COMPANY OF ALABAMA | $147 | — | $147 | 0.92% |
| BLTC FUNDING LLC3 | 6201 PRESIDENTIAL COURT FORT MEYERS, FL 33919 | LIFE INSURANCE COMPANY OF ALABAMA | $96 | — | $96 | 0.60% |
| CLONGGROUP3 | 5771 CARMICHAEL PARKWAY MONTGOMERY, AL 36117 | LIFE INSURANCE COMPANY OF ALABAMA | $68 | — | $68 | 0.43% |
| W MARK HAYES3 | 117 MERRIBROOK LANE WELLINGTON, AL 36279 | LIFE INSURANCE COMPANY OF ALABAMA | $34 | — | $34 | 0.21% |
| LICOA BROKERAGE SERVICE INC3 | P. O. BOX 349 GADSDEN, AL 35902 | LIFE INSURANCE COMPANY OF ALABAMA | $31 | — | $31 | 0.19% |
| VIRSA CORPORATION3 | 132 MCCARVER DRIVE GADSDEN, AL 35901 | LIFE INSURANCE COMPANY OF ALABAMA | $5 | — | $5 | 0.03% |
| PROFESSIONAL INSURANCE ASSOC. LLC3 | 120 CEDAR DRIVE PRATTVILLE, AL 36066 | LIFE INSURANCE COMPANY OF ALABAMA | $1 | — | $1 | 0.01% |
| ALLIANCE INSURANCE GROUP LLC3 Filed as: ALLIANCE INSURANCE GROUP, LLC | P. O. BOX 240518 MONTGOMERY, AL 361240518 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $4K | $8K | — |
| 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 | $237K |
| RX BENEFITS, INC. EIN 63-1157085 PHARMACY BENEFIT MNGT | Claims processing Service code 12 | 3700 COLONNADE PW STE 600 BIRMINGHAM, AL 35243 | $23K |
| ALLIANCE INSURANCE GROUP, LLC EIN 59-3766006 ADMINISTER FLEXIBLE SPEND | Plan Administrator Service code 14 | P. O. BOX 240518 MONTGOMERY, AL 361240518 | $21K |
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 | 446 | 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) | 446 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 45 | $183K |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 457 | $472K |
| Vision(2 contracts, 2 carriers) | GUARDIAN | 457 | $472K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 457 | $472K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 457 | $472K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 45 | $167K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 286 | $205K |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 283 | $302K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 457 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.