| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PR INSURANCE LLC | 113 ADRIS PLACE DOTHAN, AL 36303 | SOUTHLAND NATIONAL INSURANCE | $25K | — | $25K | 10.00% |
| PR INSURANCE LLC | 113 ADRIS PLACE DOTHAN, AL 36303 | NATIONAL GUARDIAN LIFE | $25K | — | $25K | 48.87% |
| PR INSURANCE LLC3 | 113 ADRIS PLACE DOTHAN, AL 36303 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 12.97% |
| PR INSURANCE LLC3 | 113 ADRIS PLACE DOTHAN, AL 36303 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.00% |
| PR INSURANCE LLC | 113 ADRIS PLACE DOTHAN, AL 36303 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | — |
| MICHAEL W BERUBE Filed as: MICHAEL WILLIAM BERUBE | PO BOX 9825 CANTON, OH 44711 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $362 | — | $362 | — |
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 | 1,117 | 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) | 1,117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 780 | $5.5M |
| Dental | SOUTHLAND NATIONAL INSURANCE | 587 | $250K |
| Vision | NATIONAL GUARDIAN LIFE | 493 | $51K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 553 | $40K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 553 | $32K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 553 | $32K |
| Prescription drug(2 contracts) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 780 | $5.5M |
| Other(5 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 780 | $5.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 780 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.