| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBSAMEN INSURANCE INC3 Filed as: REBSAMEN INSURANCE INC. REGIONS | DEPT 268, P O BOX 11407 BIRMINGHAM, AL 35246 | AETNA LIFE INSURANCE CO. | $9K | — | $9K | 7.01% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 3.39% |
| HEALTHSMART BENEFIT SOLUTIONS3 | 222 W. LAS COLINAS BLVD, STE 600N IRVING, TX 75039 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 1.24% |
| HEALTHSMART BENEFIT SOLUTIONS0 | 222 W. LAS COLINAS BLVD, STE 600N IRVING, TX 75039 | AETNA LIFE INSURANCE CO. | — | — | $0 | 0.00% |
| REBSAMEN INSURANCE INC0 Filed as: REBSAMEN INSURANCE INC. REGIONS | DEPT 268, P O BOX 11407 BIRMINGHAM, AL 36246 | AETNA LIFE INSURANCE CO. | — | — | $0 | 0.00% |
| REGIONS INSURANCE INC3 | 1020 HIGHLAND COLONY PKWY, STE 302 RIDGELAND, MS 39157 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $3K | $10K | 8.95% |
| REGIONS INSURANCE INC3 | 1020 HIGHLAND COLONY PKWY, STE 302 RIDGELAND, MS 39157 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.25% |
| REGIONS INSURANCE INC3 | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.94% |
| HEALTHSMART BENEFIT SOLUTIONS3 Filed as: HEALTHSMART.COM | 222 W. LAS COLINAS BLVD, STE 600N IRVING, TX 75039 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $761 | — | $761 | 0.75% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 S MICHIGAN AVENUE, SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $51 | $51 | 0.05% |
| REGIONS INSURANCE INC3 | 1020 HIGHLAND COLONY PKWY, STE 302 RIDGELAND, MS 39157 | UNION SECURITY INSURANCE COMPANY 5476592 | $11K | — | $11K | 10.96% |
| HEALTHSMART BENEFIT SOLUTIONS3 | 222 W. LAS COLINAS BLVD, STE 600N IRVING, TX 75039 | UNION SECURITY INSURANCE COMPANY 5476592 | $5K | — | $5K | 5.35% |
| REGIONS INSURANCE INC3 | 1020 HIGHLAND COLONY PKWY, STE 302 RIDGELAND, MS 39157 | UNION SECURITY INSURANCE COMPANY 5476592 | $3K | — | $3K | 2.72% |
| HEALTHSMART BENEFIT SOLUTIONS3 | 222 W. LAS COLINAS BLVD, STE 600N IRVING, TX 75039 | UNION SECURITY INSURANCE COMPANY 5476592 | $1K | — | $1K | 1.34% |
| REGIONS INSURANCE INC3 | 1020 HIGHLAND COLONY PKWY, STE 302 BIRMINGHAM, AL 39157 | LINCOLN NATIONAL LIFE INSURANCE COMPANY 68 | $6K | $2K | $8K | 16.68% |
| HEALTHSMART BENEFIT SOLUTIONS3 | 1212 HWY 51 N MADISON, MS 39110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY 68 | $1K | — | $1K | 2.25% |
| REGIONS INSURANCE INC3 | 1020 HIGHLAND COLONY PKWY, STE 302 RIDGELAND, MS 39157 | LINCOLN NATIONAL LIFE INSURANCE COMPANY 70 | $7K | $2K | $8K | 20.90% |
| HEALTHSMART BENEFIT SOLUTIONS3 | 1212 HWY 51 N MADISON, MS 39110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY 70 | $1K | — | $1K | 3.00% |
| REGIONS INSURANCE INC3 | 1020 HIGHLAND COLONY PKWY, STE 302 BIRMINGHAM, AL 39157 | LINCOLN NATIONAL LIFE INSURANCE COMPANY 71 | $6K | $1K | $7K | 21.03% |
| HEALTHSMART BENEFIT SOLUTIONS3 | 1212 HWY 51 N MADISON, MS 39110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY 71 | $1K | — | $1K | 3.00% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | DEPT 268, P O BOX 2153 BIRMINGHAM, AL 35287 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| REGIONS INSURANCE INC3 | 1020 HIGHLAND COLONY PKWY, STE 302 RIDGELAND, MS 39157 | LINCOLN NATIONAL LIFE INSURANCE COMPANY 85 | $655 | $151 | $806 | 20.93% |
| HEALTHSMART BENEFIT SOLUTIONS3 | 1212 HWY 51 N MADISON, MS 39110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY 85 | $116 | — | $116 | 3.01% |
| REGIONS INSURANCE INC3 | 1020 HIGHLAND COLONY PKWY, STE 302 RIDGELAND, MS 39157 | PRINCIPAL LIFE INSURANCE COMPANY | $761 | — | $761 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF ALABAMA EIN 63-0103830 | Contract Administrator Service code 13 | 450 RIVERCHASE PARKWAY EAST POBOX 9 BIRMINGHAM, AL 35298 | $260K |
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 | 473 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 473 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ALABAMA | 525 | $0 |
| Dental(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 466 | $248K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 452 | $158K |
| Life insurance(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 653 | $192K |
| Short-term disability(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 653 | $250K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 453 | $101K |
| Other | UNION SECURITY INSURANCE COMPANY 5476592 | 163 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 653 | — |
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."
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.