| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CURRIN INSURANCE & INVESTMENT SERVI3 Filed as: CURRIN INSURANCE & INVESTMENT | PO BOX 30262 PENSACOLA, FL 32503 | UNITED HEALTHCARE INSURANCE COMPANY | $18K | $68K | $86K | 4.20% |
| CURRIN INSURANCE & INVESTMENT SERVI3 Filed as: CURRIN INSURANCE & INVESTMENT | PO BOX 30262 PENSACOLA, FL 32503 | UNITED HEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 7.66% |
| NICHOLAS J. BOUZIOS3 | 100 CONCOURSE PARKWAY SUITE 350 HOOVER, AL 35244 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 11.44% |
| SHERRIE YOUNG3 | 100 CONCOURSE PARKWAY SUITE 350 HOOVER, AL 35244 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 10.80% |
| WAYNE C FISHER JR3 Filed as: WAYNE C. FISHER, JR. | 100 CONCOURSE PARKWAY SUITE 350 HOOVER, AL 35244 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 9.73% |
| NIKKI CALTON3 | 100 CONCOURSE PARKWAY SUITE 350 HOOVER, AL 35244 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.29% |
| STEPHANIE CREWS3 | 100 CONCOURSE PARKWAY SUITE 350 HOOVER, AL 35244 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.27% |
| JASON PERRY3 | 100 CONCOURSE PARKWAY SUITE 350 HOOVER, AL 35244 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.72% |
| JOSEPH CAMPUS3 Filed as: JOSEPH J.CAMPUS IV | 100 CONCOURSE PARKWAY SUITE 350 HOOVER, AL 35244 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $355 | — | $355 | 0.58% |
| DAVID ELMORE PLATT III3 Filed as: DAVID R. BROKKS | 100 CONCOURSE PARKWAY SUITE 350 HOOVER, AL 35244 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $323 | — | $323 | 0.53% |
| NICHOLAS J. BOUZIOS3 Filed as: NICHOLAS J BOUZIOS | 100 CONCOURSE PARKWAY SUITE 350 HOOVER, AL 35244 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 12.07% |
| SHERRIE S YOUNG3 | 100 CONCOURSE PARKWAY SUITE 350 HOOVER, AL 35244 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.08% |
| WAYNE C FISHER JR3 | 100 CONCOURSE PARKWAY SUITE 350 HOOVER, AL 35244 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.28% |
| STEPHANIE CREWS3 | 100 CONCOURSE PARKWAY SUITE 350 HOOVER, AL 35244 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $630 | — | $630 | 2.11% |
| JASON PERRY3 | 100 CONCOURSE PARKWAY SUITE 350 HOOVER, AL 35244 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $480 | — | $480 | 1.61% |
| NIKKI CALTON3 | 100 CONCOURSE PARKWAY SUITE 350 HOOVER, AL 35244 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $376 | — | $376 | 1.26% |
| DAVID MILLER3 Filed as: DAVID BROOKS | 100 CONCOURSE PARKWAY SUITE 350 HOOVER, AL 35244 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $255 | — | $255 | 0.86% |
| JOSEPH CAMPUS3 | 100 CONCOURSE PARKWAY SUITE 350 HOOVER, AL 35244 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $238 | — | $238 | 0.80% |
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 | 624 | 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) | 624 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 668 | $2.4M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 668 | $2.0M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 668 | $2.0M |
| Life insurance(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 299 | $249K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 299 | $158K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 299 | $158K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 84 | $350K |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 299 | $508K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 668 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.