| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | HCC LIFE INSURANCE COMPANY | $27K | — | $27K | 5.00% |
| JAMES M. MCKENNA3 Filed as: JAMES MCKENNA | 5TH FLR, 455 E 57TH ST NEW YORK, NY 10022 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 15.00% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $68 | $68 | 0.14% |
| JAMES M. MCKENNA3 Filed as: JAMES M MCKENNA | 455 E 57TH ST APT 5 B NEW YORK, NY 10022 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 19.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF ALABA EIN 63-0103830 | Contract Administrator Service code 13 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35244 | $289K |
| ONEDIGITAL ADVISOR/CONSULTANT | Investment advisory (plan) Service code 27 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | $52K |
| CARR, RIGGS & INGRAM, L.L.C. EIN 72-1396621 CPA | Accounting (including auditing) Service code 10 | 7550 HALCYON SUMMIT DRIVE, STE 300 MONTGOMERY, AL 36117 | $24K |
| PLUMBERS AND STEAMFITTERS LOCAL 52 PLAN SPONSOR | Plan Administrator Service code 14 | P.O. BOX 211105 MONTGOMERY, AL 361211105 | $23K |
| BENEFIT PLANS ADMIN. SERVICES, INC. ADMIN. SERVICES PROVIDER | Contract Administrator Service code 13 | 820 GESSNER, SUITE 1250 HOUSTON, TX 77024 | $7K |
| LOPER LAW ATTORNEY | Legal Service code 29 | 452 GOVERNMENT STREET, SUITE E MOBILE, AL 36602 | $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 | 309 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 257 | $14K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 258 | $45K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 309 | $49K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 255 | $546K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 309 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.