| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY TUTTLE JACKSON3 | 3760 CYPRESS SHORES DR N MOBILE, AL 36619 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $2K | $21K | 13.11% |
| PETRA RMS LLC3 Filed as: PETRA FARMS LLC | 2140 11TH AVENUE SOUTH BIRMINGHAM, AL 35205 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 6.69% |
| TIMOTHY A. HUDNALL3 Filed as: TIMOTHY ALLAN HUDNALL | 4750 AIRPORT BLVD MOBILE, AL 36608 | SUN LIFE ASSURANCE COMPANY OF CANADA | $180 | — | $180 | 1.82% |
| KATHRYN S WILLIAMS3 Filed as: KATHRYN SCRUGGS WILLIAMS | 4750 AIRPORT BLVD MOBILE, AL 36608 | SUN LIFE ASSURANCE COMPANY OF CANADA | $180 | — | $180 | 1.82% |
| ABLE BENEFIT SOLUTIONS3 | P.O. BOX 11407 BIRMINGHAM, AL 35246 | SUN LIFE ASSURANCE COMPANY OF CANADA | $90 | — | $90 | 0.91% |
| JOSEPH CLAY WALDEN3 | 33485 ALDER CIRCLE SPANISH FORT, AL 36527 | SUN LIFE ASSURANCE COMPANY OF CANADA | $90 | — | $90 | 0.91% |
| BRADFORD DILLION3 Filed as: BRADFORD SEAN DILLION | 2 RIVERCHASE ROAD BIRMINGHAM, AL 35244 | SUN LIFE ASSURANCE COMPANY OF CANADA | $90 | — | $90 | 0.91% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 123 | $1.3M |
| Vision(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $168K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $168K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $158K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 123 | $1.3M |
| Other | BLUE CROSS BLUE SHIELD OF ALABAMA | 123 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.