| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 611 POINT NORTH BOULEVARD ALBANY, GA 31721 | GUARDIAN | $115K | $80K | $195K | 19.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 10320 ORLAND PARKWAY ORLANDO PARK, IL 60467 | PRINCIPAL LIFE INSURANCE COMPANY | $263 | — | $263 | 1.16% |
| SECURA CONSULTANTS LLC3 | 6465 WAYZATA BOULEVARD SUITE 920 ST LOUIS PARK, MN 55426 | PRINCIPAL LIFE INSURANCE COMPANY | $37 | — | $37 | 0.16% |
| TOWN & COUNTRY INSURANCE AGENCY INC3 Filed as: TOWN & COUNTRY INSURANCE AGENCY | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | PRINCIPAL LIFE INSURANCE COMPANY | $25 | — | $25 | 0.11% |
| CONCOURSE FINANCIAL GROUP AGENCY3 | 6465 WAYZATA BOULEVARD SUITE 920 MINNEAPOLIS, MN 55426 | PRINCIPAL LIFE INSURANCE COMPANY | $16 | — | $16 | 0.07% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST LLC | 2951 PDMN ROAD NORTHEAST SUITE 200 ATLANTA, GA 30305 | PRINCIPAL LIFE INSURANCE COMPANY | $5 | — | $5 | 0.02% |
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 | 329 | 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) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 193 | $3.8M |
| Dental | GUARDIAN | 326 | $1.0M |
| Vision | GUARDIAN | 326 | $1.0M |
| Life insurance | GUARDIAN | 326 | $1.0M |
| Short-term disability | GUARDIAN | 326 | $1.0M |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 326 | $1.0M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 193 | $3.8M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 326 | $4.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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.