| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | — | UNITED CONCORDIA INSURANCE COMPANY | $30K | — | $30K | 9.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 35824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $5K | $23K | 18.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 35824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $5K | $20K | 20.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 35824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $5K | $17K | 17.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 35824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $3K | $12K | 20.04% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | CONTINENTIAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 10.59% |
| ANGELA K DOWDY3 | 2141 ROHRER ROAD MAYFIELD, KY 42066 | CONTINENTIAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 7.96% |
| RONALD E KIRKLAND3 | 4 SOTHEBY PLACE SOUTHEAST GURLEY, AL 35748 | CONTINENTIAL AMERICAN INSURANCE COMPANY | $285 | — | $285 | 0.61% |
| BARBARA ANN MCNAUGHTON3 Filed as: BARBARA A MCNAUGHTON | 337 JOLFFIE ROAD GRANT, AL 35747 | CONTINENTIAL AMERICAN INSURANCE COMPANY | $88 | — | $88 | 0.19% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | CONTINENTIAL AMERICAN INSURANCE COMPANY | $67 | — | $67 | 0.14% |
| FRANK R GRIFFIN JR3 | 8601 GARRETT ROAD MIDLAND, GA 31820 | CONTINENTIAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| JOHN E CARTER III3 Filed as: JOHN E CARTR III | 7310 NORTH LAKE DRIVE SUITE B COLUMBUS, GA 31909 | CONTINENTIAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND COMPANY | 206 EXCHANGE PLACE NORTHWEST HUNTSVILLE, AL 35806 | VISION SERVICE PLAN | $4K | — | $4K | 10.00% |
| JSL, AMMA LLC COMPANY3 | 300 WEST 10TH STREET WEST POINT, GA 31833 | MONUMENTAL LIFE INSURANCE COMPANY | $444 | — | $444 | 4.63% |
No Schedule C service providers reported on this filing.
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 | 416 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 273 | $3.4M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 251 | $323K |
| Vision | VISION SERVICE PLAN | 344 | $39K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 410 | $157K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 410 | $99K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 410 | $124K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 273 | $3.3M |
| Other(5 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 410 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 410 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.