| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANCE INSURANCE GROUP LLC Filed as: ALLIANCE INSURANCE GROUP | P.O. BOX 240218 MONTGOMERY, AL 36124 | LLOYDS OF LONDON | — | — | $0 | 0.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICE LLC | P.O. BOX 240518 MONTGOMERY, AL 36124 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 20.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DR STE 215 FT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $587 | $587 | 2.46% |
| PATRIOT GROWTH INSURANCE SERVICES Filed as: PATRIOT GROWTH INS SERVICE LLC | P.O. BOX 240518 MONTGOMERY, AL 36124 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 14.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103838 INSURANCE PROVIDER | Direct payment from the plan; Insurance services Service code 23 | 450 RIVERCHASE PARKWAY BIRMINGHAM, AL 35298 | $254K |
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 CONTRACT ADMINISTRATOR | Contract Administrator; Direct payment from the plan Service code 13 | 100 CRESCENT CENTRE PARKWAY, STE 34 TUCKER, GA 30084 | $98K |
| HIGHLAND CAPITAL MANAGEMENT EIN 27-5440911 INVESTMENT MANAGER | Investment management; Investment management fees paid directly by plan Service code 28 | 850 RIDGE LAKE BLVD. STE 205 MEMPHIS, TN 38120 | $53K |
| BHA CONSULTING LLC EIN 26-1384808 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | 5400 LAUREL SPRINGS PARKWAY 1306 SUWANEE, GA 30024 | $23K |
| REYNOLDS CONSULTING SERVICES LLC EIN 20-1899564 INVESTMENT ADVISORY | Direct payment from the plan; Investment advisory (plan) Service code 27 | 25 NEWBRIDGE ROAD STE 205 HICKSVILLE, NY 11801 | $15K |
| STEVEN D. EISENBERG CPA, PA EIN 65-0140643 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | 7700 CONGRESS AVENUE 1128 BOCA RATON, FL 33487 | $14K |
| QUINN, CONNER, WEAVER DAVIES RUCCO EIN 58-1368590 ATTORNEY | Legal; Direct payment from the plan Service code 29 | TWO NORTH 20TH STREET STE 930 BIRMINGHAM, AL 35203 | $10K |
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 |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 312 | $254K |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 312 | $254K |
| Vision | BLUE CROSS BLUE SHIELD OF ALABAMA | 312 | $254K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 313 | $12K |
| Short-term disability | 0 | $0 | |
| Stop-loss / reinsurancereinsurance | LLOYDS OF LONDON | 314 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.