| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GAYLE T MILTON3 | 101 LOWE AVENUE SUITE 1D HUNTSVILLE, AL 35801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $71K | $16K | $87K | 5.44% |
| UTIC INSURANCE COMPANY3 | 450 RIVERCHASE PARKWAY EAST BIRMINHAM, AL 35244 | SUN LIFE ASSURANCE COMPANY OF CANADA | $109K | — | $109K | 9.23% |
| GAYLE T MILTON3 | 101 LOWE AVENUE SUITE 1D HUNTSVILLE, AL 35801 | SUN LIFE ASSURANCE COMPANY OF CANADA | $33K | $6K | $39K | 3.30% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | 1901 6TH AVENUE NORTH SUITE 1720 BIRMINGHAM, AL 35203 | SUN LIFE ASSURANCE COMPANY OF CANADA | $26K | — | $26K | 2.25% |
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 | 889 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 902 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAI'I MEDICAL SERVICE ASSOCIATION | 22 | $276K |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 957 | $1.9M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 957 | $1.6M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 957 | $1.6M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 957 | $1.6M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 957 | $1.6M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 650 | $1.2M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 957 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 957 | — |
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."
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.