| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANCE INSURANCE GROUP LLC Filed as: ALLIANCE INSURANCE GROUP | PO BOX 240518 MONTGOMERY, AL 36124 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $142K | — | $142K | 14.13% |
| ALLIANCE INSURANCE GROUP LLC Filed as: ALLIANCE INSURANCE GROUP | PO BOX 240518 MONTGOMERY, AL 36124 | PARTNERS RX MANAGEMENT LLC | $3K | — | $3K | 0.55% |
| ALLIANCE INSURANCE GROUP LLC | PO BOX 240518 MONTGOMERY, AL 36124 | THE GUARDIAN LIFE COMPANY OF AMERICA | $13K | $4K | $17K | 11.67% |
| ALLIANCE INSURANCE GROUP LLC Filed as: ALLIANCE INSURANCE GROUP | PO BOX 240518 MONTGOMERY, AL 36124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | — | $21K | 15.00% |
| ALLIANCE INSURANCE GROUP LLC Filed as: ALLIANCE INSURANCE GROUP | PO BOX 240518 MONTGOMERY, AL 36124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 15.00% |
| ALLIANCE INSURANCE GROUP LLC Filed as: ALLIANCE INSURANCE GROUP | PO BOX 240518 MONTGOMERY, AL 36124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| ALLIANCE INSURANCE GROUP LLC Filed as: ALLIANCE INSURANCE GROUP | P.O. BOX 240518 MONTGOMERY, AL 36124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 15.00% |
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 | 310 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 152 | $1.5M |
| Dental | THE GUARDIAN LIFE COMPANY OF AMERICA | 168 | $147K |
| Vision | THE GUARDIAN LIFE COMPANY OF AMERICA | 168 | $147K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 149 | $142K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE COMPANY OF AMERICA | 168 | $170K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 136 | $87K |
| Prescription drug | PARTNERS RX MANAGEMENT LLC | 133 | $534K |
| Stop-loss / reinsurancereinsurance | STAR LINE GROUP | 133 | $192K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE COMPANY OF AMERICA | 168 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.
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.