| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S S NESBITT & CO INC3 Filed as: SS NESBITT & CO INC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | SYMETRA LIFE INSURANCE COMPANY | — | $28K | $28K | 3.71% |
| RICHARD FULLER HERRING3 Filed as: RICHARD FLOURNOY | 1148 BERWICK ROAD BIRMINGHAM, AL 35242 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 7.55% |
| DWIGHT H METTERNICH3 Filed as: DWIGHT H METTERICH | PO BOX 2273 TUSCALOOSA, AL 35401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 4.63% |
| RICHARD FULLER HERRING3 Filed as: RICHARD H FLOURNOY | 1148 BERWICK ROAD BIRMINGHAM, AL 35242 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42 | — | $42 | 0.04% |
| TIC INC3 Filed as: TIC INCORPORATED | 701 SAND LAKE ROAD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| SUSAN F BUETTNER-DUGINSKE3 | 701 SAND LAKE ROAD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| UTIC INSURANCE COMPANY3 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35244 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 5.31% |
| DWIGHT H METTERNICH3 | PO BOX 2273 TUSCALOOSA, AL 35401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 4.74% |
| RICHARD FULLER HERRING3 Filed as: RICHARD FLOURNOY | 1148 BERWICK ROAD BIRMINGHAM, AL 35242 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $634 | — | $634 | 2.40% |
| RICHARD FULLER HERRING3 Filed as: RICHARD H FLOURNOY | 1148 BERWICK ROAD BIRMINGHAM, AL 35242 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.10% |
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 | 1,208 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,242 | $764K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,242 | $764K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,235 | $87K |
| Other(3 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,242 | $894K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,242 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.