| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANCE INSURANCE GROUP LLC3 Filed as: ALLIANCE INSURANCE GROUP, LLC | P.O. BOX 240518 MONTGOMERY, AL 361240518 | OPTUM | $29K | — | $29K | 19.61% |
| ALLIANCE INSURANCE GROUP LLC3 Filed as: ALLIANCE INSURANCE GROUP, LLC | 6730 TAYLOR COURT MONTGOMERY, AL 36117 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $6K | $3K | $9K | 15.55% |
| ALLIANCE INSURANCE GROUP LLC3 Filed as: ALLIANCE INSURANCE GROUP | 6730 TAYLOR COURT MONTGOMERY, AL 36117 | EQUITABLE | $4K | $616 | $4K | 21.73% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | EQUITABLE | — | $1K | $1K | 7.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 63-0103830 NONE | Claims processing Service code 12 | 450 RIVERCHASE PARKWAY BIRMINGHAM, AL 35244 | $389K |
| RENEE WOOD EIN 63-0461410 EMPLOYEE | Employee (plan) Service code 30 | 3648 9TH AVENUE N STE 3 BIRMINGHAM, AL 35222 | $94K |
| AMBER LOCKE EIN 63-0461410 EMPLOYEE | Employee (plan) Service code 30 | 3648 9TH AVENUE N STE 3 BIRMINGHAM, AL 35222 | $47K |
| THE SEGAL COMPANY EIN 13-2619259 NONE | Actuarial Service code 11 | 10740 N GESSNER SUITE 320 HOUSTON, TX 770641187 | $42K |
| POTTER, BRYANT & MOORE, PC EIN 63-0966970 NONE | Accounting (including auditing) Service code 10 | 234 AQUARIUS DR, STE 109 BIRMINGHAM, AL 35209 | $14K |
| INTECH HEALTH VENTURES EIN 20-5432884 NONE | Other services Service code 49 | 205 W GIACONDA WAY ST 115 TUSCON, AZ 85704 | $11K |
| QUINN CONNER WEAVER DAVIES & ROUCO EIN 45-1444874 NONE | Legal Service code 29 | TWO 20TH STREET N STE 930 BIRMINGHAM, AL 35203 | $9K |
| STANDARD VALUATIONS EIN 41-1327339 NONE | Investment advisory (plan) Service code 27 | 790 CLEVELAND AVENUE S ST PAUL, MN 55116 | $8K |
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 | 350 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 396 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 421 | $56K |
| Life insurance | EQUITABLE | 345 | $19K |
| Stop-loss / reinsurancereinsurance | OPTUM | 484 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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.