| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S S NESBITT & CO INC3 | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 11.43% |
| THE MATHIS-HILL-ROBERTSON AGENCY3 | 5040 ROSWELL ROAD SUITE 100 ATLANTA, GA 30342 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $257 | — | $257 | 0.20% |
| S S NESBITT & CO INC3 | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 26.92% |
| S S NESBITT & CO INC3 | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 26.68% |
| S S NESBITT & CO INC3 | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 26.72% |
| S S NESBITT & CO INC3 | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 22.26% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 156 | $1.1M |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 156 | $1.1M |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $137K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $145K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $142K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $138K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 156 | $1.1M |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 176 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.