| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMMUNITY INSURANCE COMPANY3 Filed as: COMMUNITY INSURANCE GROUP LLC | 100 CHURCH STREET SUITE 600 HUNTSVILLE, AL 35801 | TOKIO MARINE HCC | $11K | $0 | $11K | 15.00% |
| COMMUNITY INSURANCE LLC3 | 100 CHURCH STREET STE 600 HUNTSVILLE, AL 35801 | GUARDIAN LIFE | $11K | $0 | $11K | 16.65% |
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 | 128 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 128 | $328K |
| Dental | GUARDIAN LIFE | 122 | $65K |
| Vision | GUARDIAN LIFE | 122 | $65K |
| Life insurance | GUARDIAN LIFE | 122 | $65K |
| Short-term disability | GUARDIAN LIFE | 122 | $65K |
| Long-term disability | GUARDIAN LIFE | 122 | $65K |
| Prescription drug | BLUE CROSS BLUE SHIELD | 128 | $328K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 117 | $72K |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD | 128 | $393K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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."
No prospect flags tripped on this filing.