| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 15200 OMEGA DR SUITE 100 ROCKVILLE, MD 20850 | SUN LIFE ASSURANCE COMPANY OF CANADA | $61K | $19K | $80K | 13.03% |
| UTIC INSURANCE COMPANY3 | 450 RIVERCHASE PKWY E BIRMINGHAM, AL 35244 | SUN LIFE ASSURANCE COMPANY OF CANADA | $61K | — | $61K | 10.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $32K | — | $32K | 19.00% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR SUITE 200 BIRMINGHAM, AL 35223 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 4.00% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $64 | $64 | 0.04% |
| ALLIANCE INSURANCE GROUP LLC3 Filed as: ALLIANCE INSURANCE GROUP, LLC | PO BOX 240518 MONTGOMERY, AL 36124 | NATIONAL GUARDIAN LIFE | $3K | — | $3K | 6.67% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 10 NORTH PARK DR SUITE 200 HUNT VALLEY, MD 21030 | NATIONAL GUARDIAN LIFE | $1K | — | $1K | 3.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF AL EIN 63-0103830 HEALTH AND DENTAL ADMIN | Contract Administrator; Claims processing Service code 12 | — | $239K |
| ALLIANCE INSURANCE GROUP, LLC EIN 59-3766006 FSA/HRA ADMIN | Claims processing; Contract Administrator Service code 12 | — | $3K |
| COMPSYCH EIN 35-3739783 TPA FEES | Claims processing; Contract Administrator Service code 12 | — | $0 |
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 | 297 | 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) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE | 232 | $43K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 297 | $169K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 297 | $169K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 297 | $169K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 256 | $613K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 297 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.