| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S S NESBITT & CO INC3 | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | COMMUNITY INSURANCE COMPANY (G1728) | $112K | $3K | $115K | 10.37% |
| S S NESBITT & CO INC3 Filed as: S S NESBITT & CO | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | SOUTHLAND NATIONAL INSURANCE CORPORATION | $16K | — | $16K | 10.00% |
| S S NESBITT & CO INC3 Filed as: S S NESBITT & CO | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | MONY LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 10.47% |
| S S NESBITT & CO INC3 | 3500 BLUE LAKE DRIVE #120 BIRMINGHAM, AL 35243 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $14K | — | $14K | 15.92% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT AND COMPANY INC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $302 | $8K | 18.97% |
| S S NESBITT & CO INC3 Filed as: S S NESBITT & COMPANY | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 9.65% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT AND COMPANY INC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $227 | $5K | 14.95% |
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 | 204 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY (G1728) | 369 | $1.2M |
| Dental | SOUTHLAND NATIONAL INSURANCE CORPORATION | 384 | $155K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 671 | $33K |
| Life insurance(3 contracts, 3 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 591 | $212K |
| Short-term disability(2 contracts, 2 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 591 | $180K |
| Long-term disability(2 contracts, 2 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 591 | $180K |
| Other(4 contracts, 3 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 591 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 671 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.