| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | P. O. BOX 240518 MONTGOMERY, AL 36124 | GUARDIAN | $73K | $10K | $83K | 12.64% |
| ALLIANCE INSURANCE GROUP LLC3 Filed as: ALLIANCE INSURANCE GROUP | P. O. BOX 240518 MONTGOMERY, AL 361240518 | HCC LIFE INSURANCE COMPANY | $44K | — | $44K | 13.39% |
| DOUG PRIESTER3 | 420 FRANK DAVIS ROAD WAYNESVILLE, NC 28785 | LIFE INSURANCE COMPANY OF ALABAMA | $778 | — | $778 | 5.44% |
| PERRY L. MCCAIN3 | 71 NEW BINGHAM DRIVE WETUMPKA, AL 36093 | LIFE INSURANCE COMPANY OF ALABAMA | $510 | — | $510 | 3.57% |
| BLTC FUNDING LLC3 | 6201 PRESIDENTIAL COURT FORT MEYERS, FL 33919 | LIFE INSURANCE COMPANY OF ALABAMA | $107 | — | $107 | 0.75% |
| CLONGGROUP3 | 5771 CARMICHAEL PARKWAY MONTGOMERY, AL 36117 | LIFE INSURANCE COMPANY OF ALABAMA | $71 | — | $71 | 0.50% |
| DAVID A. REILLY3 | 8309 WEXFORD WAY MONTGOMERY, AL 36117 | LIFE INSURANCE COMPANY OF ALABAMA | $59 | — | $59 | 0.41% |
| W MARK HAYES3 | 117 MERRIBROOK LANE WELLINGTON, AL 36279 | LIFE INSURANCE COMPANY OF ALABAMA | $38 | — | $38 | 0.27% |
| LICOA BROKERAGE SERVICE INC3 | P. O. BOX 349 GADSDEN, AL 35902 | LIFE INSURANCE COMPANY OF ALABAMA | $34 | — | $34 | 0.24% |
| VIRSA CORPORATION3 | 132 MCCARVER DRIVE GADSDEN, AL 35901 | LIFE INSURANCE COMPANY OF ALABAMA | $3 | — | $3 | 0.02% |
| PROFESSIONAL INSURANCE ASSOC. LLC3 | 120 CEDAR DRIVE PRATTVILLE, AL 36066 | LIFE INSURANCE COMPANY OF ALABAMA | $1 | — | $1 | 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 | $334K |
| RX BENEFITS, INC. EIN 63-1157085 PHARMACY BENEFIT MNGT | Claims processing Service code 12 | 3700 COLONNADE PW STE 600 BIRMINGHAM, AL 35243 | $28K |
| ALLIANCE INSURANCE GROUP, LLC EIN 59-3766006 ADMINISTER FLEXIBLE SPEND | Plan Administrator Service code 14 | P. O. BOX 240518 MONTGOMERY, AL 361240518 | $12K |
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 | 583 | 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) | 583 | 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 | 30 | $179K |
| Dental | GUARDIAN | 583 | $659K |
| Vision | GUARDIAN | 583 | $659K |
| Life insurance | GUARDIAN | 583 | $659K |
| Long-term disability | GUARDIAN | 583 | $659K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 30 | $165K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 447 | $327K |
| Other(4 contracts, 4 carriers) | GUARDIAN | 583 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 583 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.