| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $43K | — | $43K | 7.02% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $224 | $224 | 0.04% |
| UTIC INSURANCE COMPANY3 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35244 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24K | — | $24K | 11.20% |
| JOHN S PRADAT3 | 2703 LAKEWOOD CIRCLE TUSCALOOSA, AL 35405 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 7.00% |
| FLOURNOY CRISTY A3 | 1148 BERWICK ROAD BIRMINGHAM, AL 35242 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 3.22% |
| FLOURNOY CRISTY A3 | 1148 BERWICK ROAD BIRMINGHAM, AL 35242 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 3.18% |
| METTERNICH BARBARA3 | 4808 HEATHERWOOD DRIVE TUSCALOOSA, AL 35405 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $646 | — | $646 | 0.81% |
| FLOURNOY CRISTY A3 | 1148 BERWICK ROAD BIRMINGHAM, AL 35242 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $580 | — | $580 | 1.99% |
| FLOURNOY CRISTY A3 | 1148 BERWICK ROAD BIRMINGHAM, AL 35242 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $424 | — | $424 | 1.46% |
| METTERNICH BARBARA3 | 4808 HEATHERWOOD DRIVE TUSCALOOSA, AL 35405 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $192 | — | $192 | 0.66% |
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 | 1,112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,113 | $112K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,116 | $608K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,116 | $608K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 396 | $211K |
| Other(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,116 | $717K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,116 | — |
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.