| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | ONE INDEPENDENCE PLAZA, SUITE 800 BIRMINGHAM, AL 35209 | UNIMERICA INSURANCE COMPANY | $21K | — | $21K | 7.50% |
| WORTHY INSURANCE3 | 2101 6TH AVENUE N. BIRMINGHAM, AL 35203 | UNIMERICA INSURANCE COMPANY | $21K | — | $21K | 7.50% |
| GROUP SERVICES COMMISSIONS3 | P.O. BOX 1960 ALEXANDER CITY, AL 35011 | UNIMERICA INSURANCE COMPANY | $13K | — | $13K | 4.50% |
| PALOMAR INSURANCE CORPORATION3 Filed as: PALOMAR INSURANCE CORP. | P.O. BOX 11128 MONTGOMERY, AL 36110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| PALOMAR INSURANCE CORPORATION3 Filed as: PALOMAR INS. CORP | P.O. DRAWER 1128 MONTGOMERY, AL 36111 | THE HARTFORD | $3K | — | $3K | 15.00% |
| PALOMAR INSURANCE CORPORATION3 Filed as: PALOMAR INSURANCE CORP | P.O. BOX 11128 MONTGOMERY, AL 36110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| SUNG KO3 | 3343 PEACHTREE RD NE, SUITE 700 ATLANTA, GA 303261093 | PRUDENTIAL | $2K | — | $2K | 10.00% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE., SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL | — | $95 | $95 | 0.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | — | $191K |
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 | 253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | THE HARTFORD | 254 | $36K |
| Short-term disability(3 contracts, 3 carriers) | THE HARTFORD | 254 | $55K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $21K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 253 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.