| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & COMPANY | 206 EXCHANGE PLACE NORTHWEST HUNTSVILLE, AL 35806 | UNITED CONCORDIA INSURANCE COMPANY | $45K | — | $45K | 10.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $27K | $6K | $33K | 18.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $5K | $26K | 18.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $5K | $21K | 15.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $3K | $15K | 18.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 WEST 10TH STREET WEST POINT, GA 31833 | VISION SERVICE PLAN | $5K | — | $5K | 8.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER AND CO. | 206 EXCHANGE PLACE NORTHWEST HUNTSVILLE, AL 35806 | VISION SERVICE PLAN | $820 | — | $820 | 1.44% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 8.60% |
| ANGELA K DOWDY3 | 18837 CANOEBROOK LANE TONEY, AL 35773 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 6.51% |
| BARBARA ANN MCNAUGHTON3 Filed as: BARBARA A MCNAUGHTON | 337 JOLFFIE ROAD GRANT, AL 35747 | CONTINENTAL AMERICAN INSURANCE COMPANY | $197 | — | $197 | 0.42% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | CONTINENTAL AMERICAN INSURANCE COMPANY | $177 | — | $177 | 0.37% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| JOHN E CARTER III3 | 7310 NORTH LAKE DRIVE COLUMBUS, GA 31909 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| FRANK R GRIFFIN JR3 Filed as: FRANK CHIP R GRIFFIN JR | 8601 GARRETT ROAD MIDLAND, GA 31820 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| JSL, AMMA LLC COMPANY3 | — | MONUMENTAL LIFE INSURANCE COMPANY | $480 | — | $480 | 5.38% |
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 | 593 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 606 | 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 | 365 | $4.4M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 360 | $450K |
| Vision | VISION SERVICE PLAN | 448 | $57K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 588 | $217K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 588 | $141K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 588 | $177K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 365 | $4.3M |
| Other(5 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 588 | $4.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 588 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.