| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM VENARD CABLE3 | 2336 ALTADENA CREST DRIVE BIRMINGHAM, AL 35242 | SUN LIFE ASSURANCE COMPANY OF CANADA | $39K | — | $39K | 6.66% |
| JASON L YOUNT3 | 553 PARK AVE BIRMINGHAM, AL 35226 | HARTFORD LIFE AND ACCIDENT | $16K | — | $16K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALTERNATIVE INSURANCE RESOURCES,INC EIN 72-1382665 NONE | Plan Administrator Service code 14 | 1770 INDEPENDENCE COURT VESTAVIA, AL 35216 | $207K |
| ZELIS PPO EIN 31-1407609 NONE | Claims processing Service code 12 | 6875 SHILOH ROAD EAST ALPHARETTA, GA 30005 | $70K |
| VOLTAIRE HEALTH LLC EIN 46-2047081 NONE | Insurance agents and brokers Service code 22 | 5800 GRANITE PARKWAY PLANO, TX 75024 | $19K |
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 | 796 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 800 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,268 | $586K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,268 | $586K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,268 | $586K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,163 | $107K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,268 | $586K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,268 | — |
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.