| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | UNITED CONCORDIA INSURANCE COMPANY | $56K | — | $56K | 10.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $39K | $14K | $53K | 20.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $32K | $11K | $43K | 20.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $24K | $11K | $35K | 17.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $5K | $20K | 20.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 WEST 10TH STREET WEST POINT, GA 31833 | VISION SERVICE PLAN | $7K | — | $7K | 10.03% |
| MARSH & MCLENNAN AGENCY LLC3 | — | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $786 | — | $786 | 5.58% |
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 | 714 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 721 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 475 | $10.3M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 581 | $553K |
| Vision | VISION SERVICE PLAN | 545 | $73K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 718 | $301K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 712 | $210K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 712 | $262K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 475 | $5.2M |
| Other(4 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 718 | $5.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 718 | — |
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.