| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VALENT GROUP | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | GULF GUARANTY | $30K | $0 | $30K | 15.00% |
| DAN SINGLEY | 4268 SHARPSBURG DRIVE BIRMINGHAM, AL 35213 | GULF GUARANTY | $10K | $0 | $10K | 4.85% |
| ROB STONE PREMIER WORKSITE SOLUTION Filed as: ROB STONE | 8575 W 110TH ST SUITE 210 OVERLAND PARK, KS 66210 | GULF GUARANTY | $3K | $0 | $3K | 1.31% |
| VALENT GROUP | 3500 BLUE LAKE DR SUITE 120 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE CO | $6K | $2K | $8K | 21.07% |
| DEE FEASTER | 125 SHELLY HINES LOOP MONROEVILLE, AL 36460 | FIDELITY SECURITY LIFE INSURANCE CO | $3K | $0 | $3K | 9.31% |
| VALENT GROUP | 3500 BLUE LAKE DR SUITE 120 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE CO | $3K | $1K | $5K | 21.27% |
| VALENT GROUP | 3500 BLUE LAKE DR SUITE 120 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE CO | $3K | $1K | $4K | 21.09% |
| VALENT GROUP | 3500 BLUE LAKE DR BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE CO | $2K | $1K | $3K | 22.02% |
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 | 83 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 83 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BCBS OF ALABAMA | 253 | $1.4M |
| Prescription drug | BCBS OF ALABAMA | 246 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.