| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURITY BENEFITS GROUP LLC3 | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | PRINCIPAL LIFE INSURANCE COMPANY | $45K | $10K | $55K | 10.21% |
| BENJAMIN B GAMBLE3 Filed as: BENJAMIN GAMBLE | 720 GALLATIN ST SW STE 200 HUNTSVILLE, AL 35801 | PRINCIPAL LIFE INSURANCE COMPANY | $23K | — | $23K | 4.36% |
| BARRY BRYAN3 Filed as: BARRY GANN BRYAN | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | PRINCIPAL LIFE INSURANCE COMPANY | $191 | — | $191 | 0.04% |
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 | 310 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 524 | $2.8M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 808 | $3.3M |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 808 | $538K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 808 | $538K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 808 | $538K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 808 | $538K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 524 | $2.8M |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 808 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 808 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.