| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENRY W. STRONG3 Filed as: HENRY W. STRONG SR | PO BOX 530795 BURMINGHAM, AL 35253 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 7.66% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS & BLUE SHIELD OF ALABAMA | 450 RIVERCHASE PARKWAY EAST HOOVER, AL 35244 | VISION SERVICE PLAN | $690 | $0 | $690 | 4.91% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN AND HALL, INC. | 115 OFFICE PARK DRIVE, SUITE 200 MOUNTAIN BROOK, AL 35223 | VISION SERVICE PLAN | $202 | $0 | $202 | 1.44% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ALABAMA | 205 | $1.1M |
| Dental | BLUECROSS BLUESHIELD OF ALABAMA | 205 | $1.1M |
| Vision | VISION SERVICE PLAN | 69 | $14K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 120 | $64K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 120 | $64K |
| Prescription drug | BLUECROSS BLUESHIELD OF ALABAMA | 205 | $1.1M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 120 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.