No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL ASSOCIATION OF THE STATE OF EIN 63-0268042 PLAN SPONSOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator Service code 14 | 19 SOUTH JACKSON STREET MONTGOMERY, AL 36104 | $190K |
| ALDRIDGE, BORDEN & COMPANY, P.C. EIN 63-0781330 | Accounting (including auditing) Service code 10 | 74 COMMERCE STREET MONTGOMERY, AL 36104 | $21K |
| GILPIN GIVHAN, PC EIN 63-0847927 | Legal Service code 29 | 2660 EASTCHASE LN 300 MONTGOMERY, AL 36117 | $15K |
| ARIZONA MEDICAL ASSOCIATION, INC. EIN 86-0095708 | Other fees Service code 99 | 2401 W PEORIA AVE SUITE 1 PHEONIX, AZ 85029 | $5K |
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 | 1,429 | 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) | 1,429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 1,429 | $17.2M |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 616 | $504K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 1,429 | $17.2M |
| Other | BLUE CROSS BLUE SHIELD OF ALABAMA | 1,429 | $17.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,429 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.