| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES Filed as: PATRIOT GROWTH INS SERVICES LLC | P.O. BOX 240518 MONTGOMERY, AL 36124 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.75% |
| ALLIANCE INSURANCE GROUP LLC | P.O. BOX 240518 MONTGOMERY, AL 36124 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $472 | — | $472 | 4.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103838 INSURANCE PROVIDER | Insurance services; Direct payment from the plan Service code 23 | — | $260K |
| ZENITH AMERICAN SOLUTIONS CONTRACT ADMINISTRATOR | Contract Administrator; Direct payment from the plan Service code 13 | 100 CRESCENT CENTRE PARKWAY, STE 40 TUCKER, GA 30084 | $92K |
| HIGHLAND CAPITAL MANAGEMENT EIN 27-5440911 INSURANCE PROVIDER | Investment management fees paid directly by plan; Investment management Service code 28 | 6075 POPLAR AVENUE STE 703 MEMPHIS, TN 38119 | $31K |
| BHA CONSULTING LLC EIN 26-1384808 CONSULTING | Consulting (general); Investment management fees paid directly by plan Service code 16 | 5400 LAUREL SPRINGS PARKWAY 1306 SUWANEE, GA 30024 | $28K |
| CARR, RIGGS INGRAM LLC EIN 72-1396621 AUDITOR | Investment management fees paid directly by plan; Accounting (including auditing) Service code 10 | 4400 SUMMITT BOULEVARD NE 800 ATLANTA, GA 30319 | $13K |
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 | 322 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | 0 | $0 | |
| Short-term disability | 0 | $0 | |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.