| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER & CO | — | MONY LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 7.98% |
| VALENT GROUP3 Filed as: VALENT GROUP - | VALENT GROUP BIRMINGHAM, AL 35243 | MONY LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 2.99% |
| ASHLEY INSURANCE GROUP3 Filed as: ASHLEY INS GROUP LTD - | ASHELY INS GROUP LTD SANDUSKY, OH 44870 | MONY LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 729 DALLAS AVENUE SELMA, AL 36702 | SOUTHLAND NATIONAL INSURANCE CORPORATION | $7K | — | $7K | 5.25% |
| ASHLEY INSURANCE GROUP3 | 165 JACKSON STREET SANDUSKY, OH 44870 | SOUTHLAND NATIONAL INSURANCE CORPORATION | $4K | — | $4K | 2.62% |
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | SOUTHLAND NATIONAL INSURANCE CORPORATION | $3K | — | $3K | 2.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 729 DALLAS AVENUE SELMA, AL 36701 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 7.00% |
| S S NESBITT & CO INC3 Filed as: S. S. NESBITT & COMPANY - BIRMINGHA | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 2.88% |
| THE ASHLEY GROUP3 | 1645 INDIAN WOOD CIRCLE #203 MAUMEE, OH 43537 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $406 | — | $406 | 1.05% |
| 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 | $125 | $3K | 10.72% |
| 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 | $1K | $60 | $1K | 7.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES - A | TWO PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 7.28% |
| ASHLEY INSURANCE GROUP3 Filed as: ASHLEY INS GROUP LTD | 1645 INDIAN WOOD CIRCLE SUITE 203 MAUMEE, OH 43537 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $406 | — | $406 | 2.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 WEST GOLF ROAD 11TH FLOOR ROLLING MEADOW, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $102 | $102 | 0.61% |
| 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 | $201 | $10 | $211 | 8.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES - A | TWO PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $120 | — | $120 | 5.12% |
| ASHLEY INSURANCE GROUP3 Filed as: ASHLEY INS GROUP LTD | 1645 INDIAN WOOD CIRCLE SUITE 203 MAUMEE, OH 43537 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $54 | — | $54 | 2.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 WEST GOLF ROAD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $10 | $10 | 0.43% |
| 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 | $348 | $17 | $365 | 25.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES - A | TWO PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25 | — | $25 | 1.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 WEST GOLF ROAD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2 | $2 | 0.14% |
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 | 239 | 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) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SOUTHLAND NATIONAL INSURANCE CORPORATION | 406 | $141K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 519 | $39K |
| Life insurance(4 contracts, 2 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 657 | $201K |
| Short-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 657 | $181K |
| Long-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 657 | $181K |
| Other(5 contracts, 2 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 657 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 657 | — |
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."
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.