| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARRY H HEPLER3 | PO BOX 15109 HUNTSVILLE, AL 35802 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 14.41% |
| RANDY L BENNETT3 | 1060 WINCHESTER ROAD HUNTSVILLE, AL 35811 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.92% |
| JUDY STOKES3 | 3600 MOUNTAIN VISTA RD KNOXVILLE, TN 37931 | WASHINGTON NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 13.51% |
| ROGERS BENEFIT GROUP INC3 Filed as: TAMANTHA ROGERS | 457 CLIFF TOP RD BLAINE, TN 37709 | WASHINGTON NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 11.90% |
| PERFORMANCE MATTERS ASSOCIATES3 Filed as: PERFORMANCE MATTERS ASSOCS | 8150 N CENTRAL EXPRESSWAY STE 1300 DALLAS, TX 75206 | WASHINGTON NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.87% |
| MICHAEL MCGUFFIN3 | 3604 ROCKY CREEK DR SENECA, SC 29678 | WASHINGTON NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.55% |
| NICHOLAS BARATTINI3 | 1142 ANGELICA LN TEGA CAY, SC 29708 | WASHINGTON NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.25% |
| RICHARD LEE3 Filed as: RICHARD SCOTT LEE | 531 ISLEWORTH CLOSE TARPON SPRINGS, FL 34688 | WASHINGTON NATIONAL LIFE INSURANCE COMPANY | $618 | — | $618 | 2.17% |
| MICHAEL FOSTER3 | 21251 MARSH HAWK DR LAND O LAKES, FL 34638 | WASHINGTON NATIONAL LIFE INSURANCE COMPANY | $553 | — | $553 | 1.94% |
| CAPITAL AMERICAN LIFE INS CO.3 Filed as: CAPITAL AMERICAN LIFE INS CO | 11815 N PENNSYLVANIA ST CARMEL, IN 460324555 | WASHINGTON NATIONAL LIFE INSURANCE COMPANY | $125 | — | $125 | 0.44% |
| AMERICAN LIFE & CASUALTY3 | 11825 PENNSYLVANIA AVE CARMEL, IN 46032 | WASHINGTON NATIONAL LIFE INSURANCE COMPANY | $102 | — | $102 | 0.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 DTL PROVIDER (ASO) | Contract Administrator Service code 13 | 450 RIVERCHASE PKWY EAST PO BOX 995 BIRMINGHAM, AL 352980001 | $7K |
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 | 136 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 206 | $986K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $133K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $133K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $133K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $133K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 206 | $986K |
| Other(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 206 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.