| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL BENEFITS CENTER LLC3 | 6830 COCKRAN ROAD SOLON, OH 44139 | SYMETRA LIFE INSURANCE COMPANY | — | $16K | $16K | 1.88% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | SYMETRA LIFE INSURANCE COMPANY | — | $10K | $10K | 1.15% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | SYMETRA LIFE INSURANCE COMPANY | — | $6K | $6K | 0.69% |
| UTIC INSURANCE COMPANY3 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35244 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | — | $16K | 12.78% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS-ALLEN & HALL INC | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $515 | $515 | 0.42% |
| JOHN S PRADAT3 | 2703 LAKEWOOD CIRCLE TUSCALOOSA, AL 35405 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 7.00% |
| PEACHTREE PLANNING OF GEORGIA3 | 5040 ROSWELL ROAD ATLANTA, GA 30342 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $560 | — | $560 | 0.53% |
| FLOURNOY CRISTY A3 Filed as: FLOURNOY RICHARD | 1148 BERWICK ROAD BIRMINGHAM, AL 35242 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 7.21% |
| METTERNICH DWIGHT H3 | PO BOX 2273 TUSCALOOSA, AL 35401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 3.97% |
| METTERNICH DWIGHT H3 | PO BOX 2273 TUSCALOOSA, AL 35401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 4.60% |
| FLOURNOY CRISTY A3 Filed as: FLOURNOY RICHARD | 1148 BERWICK ROAD BIRMINGHAM, AL 35242 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $523 | — | $523 | 2.15% |
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 | 1,134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 27 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,148 | $107K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,219 | $861K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,219 | $861K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,136 | $123K |
| Other(3 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,219 | $982K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,219 | — |
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.