| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | — | UNITED CONCORDIA INSURANCE COMPANY | $34K | — | $34K | 6.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $36K | $11K | $46K | 19.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $28K | $9K | $37K | 19.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | $8K | $30K | 16.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $5K | $20K | 19.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 WEST 10TH STREET WEST POINT, GA 31833 | VISION SERVICE PLAN | $7K | — | $7K | 9.32% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 6.47% |
| ANGELA K DOWDY3 | 18837 CANOEBROOK LANE TONEY, AL 35773 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.88% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | CONTINENTAL AMERICAN INSURANCE COMPANY | $124 | — | $124 | 0.28% |
| KELVIN MICHAEL RICE3 Filed as: KELVIN M RICE | 688 EARLINE ROAD DOTHAN, AL 36305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $77 | — | $77 | 0.17% |
| BARBARA ANN MCNAUGHTON3 Filed as: BARBARA A MCNAUGHTON | 337 JOLFFIE ROAD GRANT, AL 35747 | CONTINENTAL AMERICAN INSURANCE COMPANY | $73 | — | $73 | 0.17% |
| JOHN E CARTER III3 | 7310 NORTH LAKE DRIVE SUITE B COLUMBUS, GA 31909 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| FRANK R GRIFFIN JR3 Filed as: FRANK CHIP R GRIFFIN JR | 8601 GARRETT ROAD MIDLAND, GA 31820 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | — | MONUMENTAL LIFE INSURANCE COMPANY | $659 | — | $659 | 4.59% |
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 | 526 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 142 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 673 | 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 | 333 | $5.0M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 508 | $559K |
| Vision | VISION SERVICE PLAN | 551 | $73K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 543 | $282K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 541 | $189K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 542 | $237K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 333 | $5.0M |
| Other(5 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 543 | $5.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 551 | — |
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.