| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANCE INSURANCE GROUP LLC3 Filed as: ALLIANCE INSURANCE GRP LLC | PO BOX 240518 MONTGOMERY, AL 36124 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 14.99% |
| ALLIANCE INSURANCE GROUP LLC3 | 2595 BELL ROAD MONTGOMERY, AL 36117 | GUARDIAN LIDE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF AL EIN 63-0103838 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $242K |
| ZENITH AMERICAN SOLUTIONS NONE | Contract Administrator Service code 13 | 100 CRESCENT CENTRE PARKWAY SUITE 400 TUCKER, GA 30084 | $84K |
| HIGHLAND CAPITAL MANAGEMENT EIN 27-5440911 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $18K |
| BHA CONSULTING LLC EIN 26-1384808 NONE | Consulting (general) Service code 16 | — | $16K |
| AGH, LLC EIN 58-2588678 NONE | Accounting (including auditing) Service code 10 | — | $9K |
| QUINN,CONNOR, WEAVER, DAVIES EIN 45-1444874 NONE | Legal Service code 29 | — | $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 | 376 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 396 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 360 | $0 |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 360 | $0 |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 315 | $12K |
| Short-term disability | GUARDIAN LIDE INSURANCE COMPANY OF AMERICA | 342 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.