| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | PO BOX 1490 JACKSON, MS 39215 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| FBBI,INC DBA CREATIVE BENEFIT3 | SOLUTIONS 1824 28TH ST SOUTH HOMEWOOD, AL 35209 | SOUTHAND DENTAL CORPORATION | $3K | — | $3K | 6.48% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS | 1824 28TH AVE S HOMEWOOD, AL 352092606 | VISION SERVICE PLAN | $689 | $364 | $1K | 5.66% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS | 1824 28TH STREET S HOMEWOOD, AL 35209 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $673 | — | $673 | 4.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BROTTRELL | INSURANCE INC. PO BOX 1490 JACKSON, MS 39215 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $595 | — | $595 | 3.84% |
| AHA FINANCIAL SOLUTIONS, INC.3 Filed as: AHA FINANCIAL SOULTIONS INC. | 155 N WACKER DR STE 400 CHICAGO, IL 60606 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $26 | — | $26 | 0.17% |
| GRIFFIN, STEVEN, RAY3 | STE 1400 2000 MORRIS AVE BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33 | $3 | $36 | 6.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF AL EIN 63-0103830 NONE | Contract Administrator Service code 13 | — | $94K |
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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 173 | $864K |
| Dental | SOUTHAND DENTAL CORPORATION | 127 | $52K |
| Vision | VISION SERVICE PLAN | 130 | $19K |
| Life insurance | BOSTON MUTUAL LIFE INSURANCE COMPANY | 179 | $81K |
| Short-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 179 | $81K |
| Long-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 179 | $81K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 173 | $864K |
| Other(4 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 179 | $961K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.