| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VALENT GROUP3 Filed as: VALENT GROUP LLC | SUITE 120 3500 BLUE LAKE ROAD VESTAVIA, AL 35243 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $54K | — | $54K | 12.93% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DR STE 120 VESTAVIA, AL 352431909 | VISION SERVICE PLAN | $4K | — | $4K | 7.87% |
| IMA, INC.3 | 3500 BLUE LAKE DR STE 120 VESTAVIA, AL 35243 | VISION SERVICE PLAN | $287 | — | $287 | 0.53% |
| CROUSE COMPANY LLC4 | 601 REDLEAF RIDGE CIR NASHVILLE, TN 372116936 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $676 | — | $676 | 9.33% |
| CAP STEWART4 | 5701 WALDEN WOODS CT KNOXVILLE, TN 379213876 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $291 | — | $291 | 4.02% |
| JILLIAN E HAND4 | 1726 QUAIL RIDGE DR GARDENDALE, AL 350712802 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $22 | — | $22 | 0.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF ALABA EIN 63-0103830 ADMINISTRATIVE SERVICES | Claims processing Service code 12 | — | $683K |
| DELTA DENTAL INSURANCE COMPANY EIN 94-2761537 ADMIN FEE | Claims processing Service code 12 | — | $59K |
| RX BENEFITS, INC. EIN 63-1157085 ADMIN FEE | Claims processing Service code 12 | — | -$29 |
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 | 827 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 828 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 681 | $54K |
| Life insurance(2 contracts, 2 carriers) | GERBER LIFE INSURANCE COMPANY | 1,047 | $928K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,047 | $418K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,047 | $425K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,047 | — |
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.