| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOWARD B LABOW3 Filed as: HOWARD B. LABOW | 666 DUNDEE ROAD, SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $55K | $0 | $55K | 20.47% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BOULEVARD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53K | $0 | $53K | 19.73% |
| PROPEL INSURANCE AGENCY LLC3 | 1410 BLANDING STREET, SUITE 100 COLUMBIA, SC 29201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $251 | $0 | $251 | 0.09% |
| MAIA LABOW3 | 666 DUNDEE ROAD, SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | $0 | $22 | 0.01% |
| ERIKA M TORRES3 Filed as: ERIKA M. TORRES | 10805 LACROSSE AVENUE OAK LAWN, IL 60453 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | $0 | $22 | 0.01% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BOULEVARD SUITE 900 TAMPA, FL 33607 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $16K | $4K | $19K | 12.03% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN ASSOCIATES, LLC | UNKNOWN ALBANY, NY 12204 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $12K | $12K | 7.57% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY | 1000 AVALON BOULEVARD, SUITE 130 ALPHARETTA, GA 30009 | GLOBAL LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $8K | $8K | 5.48% |
| PROVIDENCE ADVISORS LLC3 Filed as: PROVIDENCE BENEFITS | UNKNOWN BIRMINGHAM, AL 35210 | GLOBAL LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $6K | $6K | 4.46% |
| BKS PARTNERS3 | UNKNOWN BIRMINGHAM, AL 35210 | GLOBAL LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $5K | $5K | 3.17% |
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 | 484 | 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) | 484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 324 | $2.0M |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 484 | $159K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 484 | $430K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 484 | $159K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 484 | $159K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 324 | $2.0M |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 484 | $574K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.