| 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 | $17K | — | $17K | 7.50% |
| WORTHY INSURANCE3 | 2101 6TH AVENUE N. BIRMINGHAM, AL 35203 | UNIMERICA INSURANCE COMPANY | $17K | — | $17K | 7.50% |
| GROUP SERVICES COMMISSIONS3 | P.O. BOX 1960 ALEXANDER CITY, AL 35011 | UNIMERICA INSURANCE COMPANY | $10K | — | $10K | 4.50% |
| SUNG KO3 | 3343 PEACHTREE RD NE, SUITE 700 ATLANTA, GA 303261093 | PRUDENTIAL | $1K | — | $1K | 10.00% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL | — | $43 | $43 | 0.31% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE., SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL | — | $8 | $8 | 0.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | — | $177K |
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 | 247 | 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) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRUDENTIAL | 243 | $14K |
| Short-term disability | PRUDENTIAL | 243 | $14K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 247 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.