| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALABAMA DENTAL ASSOCIATION | 836 WASHINGTON AVENUE MONTGOMERY, AL 36104 | IRON REINSURANCE COMPANY | — | $75K | $75K | 4.54% |
| CAHABA BENEFITS GROUP LLC3 Filed as: CAHABA BENEFITS GROUP, LLC | 400 VESTAVIA PKWY, STE 250 BIRMINGHAM, AL 35216 | IRON REINSURANCE COMPANY | $70K | — | $70K | 4.25% |
| ABE SMITH, INC.3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | IRON REINSURANCE COMPANY | $39K | — | $39K | 2.34% |
| RBH BENEFITS INC.3 Filed as: RBH HEALTH INSURANCE SERVICES | 4417 OLD LEEDS RD BIRMINGHAM, AL 35213 | IRON REINSURANCE COMPANY | $30K | — | $30K | 1.82% |
| RUTLAND BENEFITS, LLC3 Filed as: RUTLAND INSURANCE GROUP | 2740 CENTRAL PARKWAY MONTGOMERY, AL 36106 | IRON REINSURANCE COMPANY | $23K | — | $23K | 1.42% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SOUTHERN STANDARD RISK MANAGEMENT | 5151 HAMPSTEAD HIGH STREET MONTGOMERY, AL 36116 | IRON REINSURANCE COMPANY | $650 | — | $650 | 0.04% |
| JT BENEFITS LLC3 Filed as: JT BENEFITS, LLC | 262 YEAGER PARKWAY, SUITE D PELHAM, AL 35124 | IRON REINSURANCE COMPANY | $600 | — | $600 | 0.04% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE AGENCY | 5151 HAMPSTEAD HIGH STREET MONTGOMERY, AL 36116 | IRON REINSURANCE COMPANY | $121 | — | $121 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA CLAIMS PROCESSOR | Claims processing Service code 12 | 450 RIVERCHASE PARKWAY E 800-492-8872 BIRMIGHAM, AL 35244 | $185K |
| ARSENAL INSURANCE MANAGEMENT EIN 20-4913990 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $150K |
| VIVA HEALTH CLAIMS PROCESSOR | Claims processing Service code 12 | 417 20TH STREET N 205-558-7466 BIRMINGHAM, AL 35203 | $31K |
| SOUTHERN STANDARD RISK MANAGEMENT MEDICAL DIRECTOR | Consulting fees Service code 70 | 8201 TUSCANY MNR 334-593-7418 MONTGOMERY, AL 36117 | $21K |
| MGM ADMINISTRATORS LLC EIN 47-4878303 TELEMEDICINE | Insurance services Service code 23 | — | $13K |
| MILLIMAN ACTUARY | Actuarial Service code 11 | 3424 PEACHTREE ROAD NE 404-237-7060 ATLANTA, GA 303261123 | $9K |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | IRON REINSURANCE COMPANY | 125 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.