| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AXA ASSISTANCE, USA3 Filed as: VALENT GROUP- AXA | VALENT GROUP BIRMINGHAM, AL 35243 | MONY LIFE INSURANCE COMPANY OF AMERICA | $40K | — | $40K | 15.14% |
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | SOUTHLAND NATIONAL INSURANCE | $21K | — | $21K | 10.00% |
| 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 | $5K | — | $5K | 10.63% |
| 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 | $176 | $5K | 11.19% |
| 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 | $3K | $136 | $3K | 15.39% |
| S S NESBITT & CO INC3 Filed as: S S NESBITT & COMPANY INC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $96 | $2K | 16.39% |
| S S NESBITT & CO INC3 Filed as: S S NESBITT AND COMPANY INC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $47 | $2 | $49 | 10.52% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 194 | $2.3M |
| Dental | SOUTHLAND NATIONAL INSURANCE | 352 | $209K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 896 | $2.4M |
| Life insurance(4 contracts, 2 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 1,026 | $295K |
| Short-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 1,026 | $264K |
| Long-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 1,026 | $264K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 194 | $2.3M |
| Other(6 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,026 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,026 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.