| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARTER HR BENEFIT SOLUTIONS, INC.3 | PO BOX 759 ALEXANDER CITY, AL 350110759 | SOUTHLAND DENTAL | $21K | $0 | $21K | 15.57% |
| CHRISTOPHER WALTMAN3 | 1901 SIXTH AVENUE N, SUITE 2800 BIRMINGHAM, AL 35203 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.47% |
| NMA INC3 Filed as: NMA, INC. | 1901 SIXTH AVENUE N, SUITE 2800 BIRMINGHAM, AL 35203 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $560 | $0 | $560 | 1.22% |
| CHARTER HR BENEFIT SOLUTIONS, INC.3 | PO BOX 759 ALEXANDER CITY, AL 350110759 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 15.97% |
| CHARTER HR BENEFIT SOLUTIONS, INC.3 | PO BOX 759 ALEXANDER CITY, AL 350110759 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 28.14% |
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 | 2,029 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,030 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ALABAMA | 126 | $1.9M |
| Dental | SOUTHLAND DENTAL | 214 | $134K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 163 | $36K |
| Life insurance(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | 1,618 | $59K |
| Prescription drug | BLUECROSS BLUESHIELD OF ALABAMA | 126 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,618 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.