| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANCE INSURANCE GROUP LLC | P.O. BOX 240518 MONTGOMERY, AL 36124 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $102K | — | $102K | 12.66% |
| ALLIANCE INSURANCE GROUP LLC | P.O. BOX 240518 MONTGOMERY, AL 36124 | PARTNERS RX MANAGEMENT LLC | $3K | — | $3K | 0.49% |
| ALLIANCE INSURANCE GROUP LLC | P.O. BOX 240518 MONTGOMERY, AL 36124 | STAR LINE GROUP | $18K | $0 | $18K | 9.08% |
| ALLIANCE INSURANCE GROUP LLC | P.O. BOX 240518 MONTGOMERY, AL 36124 | THE GUARDIAN LIFE INSURANCE COY OF AMERICA | $11K | $7K | $18K | 13.12% |
| ALLIANCE INSURANCE GROUP LLC | P.O. BOX 240518 MONTGOMERY, AL 36124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $3K | $22K | 16.93% |
| ALLIANCE INSURANCE GROUP LLC | P.O. BOX 240518 MONTGOMERY, AL 36124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $1K | $12K | 17.09% |
| ALLIANCE INSURANCE GROUP LLC | P.O. BOX 240518 MONTGOMERY, AL 36124 | LIFE INSURANCE COMPANY OF AMERICA | $3K | $389 | $3K | 17.30% |
| ALLIANCE INSURANCE GROUP LLC | P.O. BOX 240518 MONTGOMERY, AL 36124 | LIFE INSURANCE COMPANY OF AMERICA | $945 | $278 | $1K | 19.42% |
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 | 246 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 139 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COY OF AMERICA | 160 | $135K |
| Vision | THE GUARDIAN LIFE INSURANCE COY OF AMERICA | 160 | $135K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 161 | $131K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COY OF AMERICA | 160 | $141K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 135 | $68K |
| Prescription drug | PARTNERS RX MANAGEMENT LLC | 139 | $601K |
| Stop-loss / reinsurancereinsurance | STAR LINE GROUP | 132 | $194K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COY OF AMERICA | 160 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.