| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN DOROUGH3 | CARMICHAEL ROAD MONTGOMERY, AL 36106 | AMFIRST | $31K | — | $31K | 13.00% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | STREET S BIRMINGHAM, AL 35222 | AMFIRST | $12K | — | $12K | 5.00% |
| MWL3 | PO BOX 14067 JACKSON, MS 39236 | AMFIRST | $12K | — | $12K | 5.00% |
| KYLE CORNELIUS3 | 700 37TH ST SOUTH BIRMINGHAM, AL 35222 | AMFIRST | $2K | $2K | $5K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER | PO BOX 70 WEST POINT, GA 31833 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $34 | $16K | 9.82% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 6087 HUNTSVILLE, AL 35813 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.26% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $8K | 14.92% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 W 10TH ST WEST POINT, GA 31833 | VISION SERVICE PLAN | $3K | — | $3K | 10.04% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $810 | $2K | 14.98% |
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 | 195 | 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) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 371 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 397 | $160K |
| Vision | VISION SERVICE PLAN | 130 | $28K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $30K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $16K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $50K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 371 | $1.4M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 371 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.