| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBSAMEN INSURANCE INC3 | PO BOX 11407 BIRMINGHAM, AL 35246 | AETNA LIFE INSURANCE CO. | $8K | — | $8K | 6.19% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 4.07% |
| MCGRIFF INSURANCE SERVICES INC3 | 3318 W FRIENDY AVE STE 400 GREENSBORO, NC 37410 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 2.53% |
| HEALTHSMART BENEFIT SOLUTIONS3 | 222 W LAS COLINAS BLVD SUITE 500N IRVING, TX 75039 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 1.09% |
| HEALTHSMART BENEFIT SOLUTIONS3 | 222 W. LAS COLINAS BLVD, STE 600N IRVING, TX 75039 | UNION SECURITY INSURANCE COMPANY 5476592 | $9K | — | $9K | 14.27% |
| REGIONS INSURANCE INC3 | 1020 HIGHLAND COLONY PKWY, STE 302 RIDGELAND, MS 39157 | UNION SECURITY INSURANCE COMPANY 5476592 | $6K | $572 | $6K | 9.75% |
| HEALTHSMART BENEFIT SOLUTIONS3 | 222 W. LAS COLINAS BLVD, STE 600N IRVING, TX 75039 | UNION SECURITY INSURANCE COMPANY 5476592 | $3K | — | $3K | 4.99% |
| REGIONS INSURANCE INC3 | 1020 HIGHLAND COLONY PKWY, STE 302 RIDGELAND, MS 39157 | UNION SECURITY INSURANCE COMPANY 5476592 | $1K | $527 | $2K | 2.89% |
| MCGRIFF INSURANCE SERVICES INC3 | 1020 HIGHLAND COLONY PKWY, STE 302 RIDGELAND, MS 39157 | LINCOLN NATIONAL LIFE INSURANCE COMPANY 68 | $5K | — | $5K | 11.01% |
| REGIONS INSURANCE INC3 | 1020 HIGHLAND COLONY PKWY RIDGELAND, MS 39157 | LINCOLN NATIONAL LIFE INSURANCE COMPANY 68 | $2K | — | $2K | 3.22% |
| HEALTHSMART BENEFIT SOLUTIONS3 | 1212 HWY 51 N MADISON, MS 39110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY 68 | $381 | — | $381 | 0.77% |
| MCGRIFF INSURANCE SERVICES INC3 | 1020 HIGHLAND COLONY PKWY #302 RIDGELAND, MS 39157 | LINCOLN NATIONAL LIFE INSURANCE COMPANY 70 | $6K | — | $6K | 15.31% |
| REGIONS INSURANCE INC3 | 1020 HIGHLAND COLONY PKWY RIDGELAND, MS 39157 | LINCOLN NATIONAL LIFE INSURANCE COMPANY 70 | $1K | — | $1K | 3.76% |
| HEALTHSMART BENEFIT SOLUTIONS3 | 1212 HWY 51 N MADISON, MS 39110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY 70 | $348 | — | $348 | 0.93% |
| MCGRIFF INSURANCE SERVICES INC3 | 1020 HIGHLAND COLONY PKWY #302 RIDGELAND, MS 39157 | LINCOLN NATIONAL LIFE INSURANCE COMPANY 71 | $6K | — | $6K | 15.01% |
| REGIONS INSURANCE INC3 | 1020 HIGHLAND COLONY PKWY RIDGELAND, MS 39157 | LINCOLN NATIONAL LIFE INSURANCE COMPANY 71 | $1K | — | $1K | 4.02% |
| HEALTHSMART BENEFIT SOLUTIONS3 | 1212 HWY 51 N MADISON, MS 39110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY 71 | $360 | — | $360 | 0.97% |
| MCGRIFF INSURANCE SERVICES INC3 | 1020 HIGHLAND COLONY PKWY #302 RIDGELAND, MS 39157 | LINCOLN NATIONAL LIFE INSURANCE COMPANY 68 | $3K | — | $3K | 11.35% |
| REGIONS INSURANCE INC3 | 1020 HIGHLAND COLONY PKWY RIDGELAND, MS 39157 | LINCOLN NATIONAL LIFE INSURANCE COMPANY 68 | $741 | — | $741 | 2.94% |
| HEALTHSMART BENEFIT SOLUTIONS3 | 1212 HWY 51 N MADISON, MS 39110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY 68 | $178 | — | $178 | 0.71% |
| MCGRIFF INSURANCE SERVICES INC3 | 1020 HIGHLAND COLONY PKWY #302 RIDGELAND, MS 39157 | LINCOLN NATIONAL LIFE INSURANCE COMPANY 85 | $664 | — | $664 | 16.46% |
| REGIONS INSURANCE INC3 | 1020 HIGHLAND COLONY PKWY RIDGELAND, MS 39157 | LINCOLN NATIONAL LIFE INSURANCE COMPANY 85 | $112 | — | $112 | 2.78% |
| HEALTHSMART BENEFIT SOLUTIONS3 | 1212 HWY 51 N MADISON, MS 39110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY 85 | $30 | — | $30 | 0.74% |
| 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 | $295K |
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 | 592 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 592 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ALABAMA | 592 | $0 |
| Dental | AETNA LIFE INSURANCE CO. | 491 | $132K |
| Vision | AETNA LIFE INSURANCE CO. | 491 | $132K |
| Life insurance(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY 68 | 571 | $91K |
| Short-term disability(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY 5476592 | 571 | $118K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY 68 | 103 | $25K |
| Other | UNION SECURITY INSURANCE COMPANY 5476592 | 144 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 592 | — |
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.