| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YTY LLC3 | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $15K | $7K | $22K | 12.34% |
| ALIUM INSURANCE PARTNERS, LLC3 Filed as: ALIUM INS PARTNERS LLC | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $11K | — | $11K | 6.46% |
| MELISSA ARMATIS3 Filed as: MELISSA F BROOKS | — | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $2K | $2K | 0.92% |
| LARRY YOUNG - YTY, LLC3 | 103 EAST 13TH STREET ANNISTON, AL 36201 | CANOPY INSURANCE CORPORATION | $4K | — | $4K | 6.34% |
| KELLEY ANDERSON3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | CANOPY INSURANCE CORPORATION | $2K | — | $2K | 3.66% |
| LARRY YOUNG - YTY, LLC3 | 103 EAST 13TH STREET ANNISTON, AL 36201 | CANOPY INSURANCE CORPORATION | $1K | — | $1K | 6.32% |
| KELLY E ANDERSON3 Filed as: KELLY ANDERSON - ALIUM INSURANCE | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | CANOPY INSURANCE CORPORATION | $862 | — | $862 | 3.68% |
| REYNOLDS & COMPANY LLC3 | 4340 OVERLOOK ROAD BIRMINGHAM, AL 35222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 11.33% |
| ALIUM INSURANCE PARTNERS, LLC3 Filed as: ALIUM INSURANCE PARTNERS | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | SUN LIFE ASSURANCE COMPANY OF CANADA | $788 | — | $788 | 3.79% |
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 | 238 | 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. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CANOPY INSURANCE CORPORATION | 158 | $59K |
| Vision | CANOPY INSURANCE CORPORATION | 148 | $23K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 238 | $196K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 238 | $175K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 238 | $196K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 238 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.