| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE, SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $5K | $18K | 20.34% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | UNITED CONCORDIA INSURANCE COMPANY | $7K | $0 | $7K | 9.21% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT & CO INC | UNKNOWN HUNTSVILLE, AL 35801 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $0 | $11K | 15.43% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE, SUITE 120 VESTAVIA, AL 35243 | VISION SERVICE PLAN | $2K | $0 | $2K | 11.98% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | MDLIVE | $521 | $0 | $521 | 21.71% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 164 | $663K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 234 | $77K |
| Vision | VISION SERVICE PLAN | 101 | $16K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $89K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $89K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $89K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 164 | $663K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.