| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS E. HARDING3 | 141 EAST LAUREL STREET SCOTTSBORO, AL 35768 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | $0 | $36K | 16.34% |
| THOMAS E. HARDING3 | 141 EAST LAUREL STREET SCOTTSBORO, AL 35768 | STARMOUNT LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.22% |
| STATEWIDE INSURANCE SERVICES3 | 141 EAST LAUREL STREET SCOTTSBORO, AL 35768 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 13.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLS FARGO CLEARING SERVICES EIN 23-2384840 NONE | Direct payment from the plan; Investment advisory (plan); Other fees Service code 27 | — | $50K |
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $6K |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 68 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 427 | $3.0M |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 172 | $47K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 98 | $254K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 98 | $219K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 98 | $219K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 427 | $3.0M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 98 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.