| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCBRIDE BENEFIT SOLUTIONS INC3 Filed as: MCBRIDE BENEFIT SOLUTIONS | 407 S. COURT ST. FLORENCE, AL 35630 | 5STAR LIFE INSURANCE COMPANY | $4K | — | $4K | 10.72% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM BORLAND | 2121 1ST AVE, N STE. 201 BIRMINGHAM, AL 35203 | 5STAR LIFE INSURANCE COMPANY | $1K | — | $1K | 2.61% |
| MICHAEL HUNTER3 | PO BOX 2826 MUSCLE SHOALS, AL 35662 | 5STAR LIFE INSURANCE COMPANY | $394 | — | $394 | 0.96% |
| WHITTEN & ASSOCIATES3 | 419 E TENNESSEE ST. FLORENCE, AL 35630 | 5STAR LIFE INSURANCE COMPANY | $105 | — | $105 | 0.25% |
| TOWER INSURANCE SERVICES3 | 8 MARTICVILLE RD. LANCASTER, PA 17603 | 5STAR LIFE INSURANCE COMPANY | $36 | — | $36 | 0.09% |
| THE SEGAL COMPANY3 Filed as: IRVING SEGAL | 5125 5TH AVE., A-1 PITTSBURGH, PA 15232 | 5STAR LIFE INSURANCE COMPANY | $9 | — | $9 | 0.02% |
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 | 96 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | 5STAR LIFE INSURANCE COMPANY | 0 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.