| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANCE INSURANCE GROUP LLC3 | 2595 BELL ROAD MONTGOMERY, AL 36117 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| ALLIANCE INSURANCE GROUP LLC3 | PO BOX 240518 MONTGOMERY, AL 36124 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF AL EIN 63-0103838 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $294K |
| ZENITH AMERICAN SOLUTIONS NONE | Contract Administrator Service code 13 | 100 CRESCENT CENTRE PKWY, SUITE 400 TUCKER, GA 30084 | $88K |
| HIGHLAND CAPITAL MANAGEMENT EIN 27-5440911 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $54K |
| BHA CONSULTING LLC EIN 26-1384808 NONE | Consulting (general) Service code 16 | — | $19K |
| CARR, RIGGS & INGRAM, LLC EIN 72-1396621 NONE | Accounting (including auditing) Service code 10 | — | $13K |
| QUINN, CONNOR, WEAVER, DAVIES EIN 45-1444874 NONE | Legal Service code 29 | — | $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 | 364 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 364 | $34K |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 364 | $34K |
| Vision | BLUE CROSS BLUE SHIELD OF ALABAMA | 364 | $34K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 355 | $13K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 364 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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.