| 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 | HCC LIFE | $21K | — | $21K | 12.00% |
| 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 | — | $289K |
| ZENITH AMERICAN SOLUTIONS CONTRACT ADMINISTRATOR | Direct payment from the plan; Contract Administrator Service code 13 | 100 CRESCENT CENTRE PARKWAY, STE 40 TUCKER, GA 30084 | $95K |
| HIGHLAND CAPITAL MANAGEMENT EIN 27-5440911 INVESTMENT MANAGER | Investment management; Investment management fees paid directly by plan Service code 28 | 6075 POPLAR AVENUE STE 703 MEMPHIS, TN 38119 | $50K |
| BHA CONSULTING LLC EIN 26-1384808 CONSULTING | Investment management fees paid directly by plan; Consulting (general) Service code 16 | 5400 LAUREL SPRINGS PARKWAY 1306 SUWANEE, GA 30024 | $26K |
| STEVEN D. EISENBERG CPA, PA EIN 65-0140643 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | 7700 CONGRESS AVENUE 1128 BOCA RATON, FL 33487 | $12K |
| QUINN, CONNER, WEAVER DAVIES RUCCO ATTORNEY | Legal; Direct payment from the plan Service code 29 | TWO NORTH 20TH STREET STE 930 BIRMINGHAM, AL 35203 | $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 | 336 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 336 | $289K |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 336 | $289K |
| Vision | BLUE CROSS BLUE SHIELD OF ALABAMA | 336 | $289K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 322 | $16K |
| Stop-loss / reinsurancereinsurance | HCC LIFE | 336 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.