| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE STARKE LIFE AGENCY INC3 Filed as: STARKE LIFE AGENCY, INC. | 210 COMMERCE ST. MONTGOMERY, AL 361042587 | FIDELITY SECURITY LIFE | $30K | — | $30K | 14.00% |
| LBA SERVICE LLC3 Filed as: LBA SERVICE, LLC | 414 MEADOWBROOK LANE BIRMINGHAM, AL 35213 | FIDELITY SECURITY LIFE | $2K | — | $2K | 1.00% |
| THE STARKE LIFE AGENCY INC3 | 210 COMMERCE ST MONTGOMERY, AL 361042587 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $348 | $17K | 10.06% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL, INC | 115 OFFICE PARK DR. BIRMINGHAM, AL 352232421 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $594 | $3K | 2.01% |
| ABLE BENEFIT SOLUTIONS3 Filed as: ABLE BENEFIT SOLUTIONS DEPT #2142 | PO BOX 11407 BIRMINGHAM, AL 35246 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $57 | — | $57 | 1.69% |
| TUCKER, RANDALL, HUGH3 | 4465 PARK BLVD MONTGOMERY, AL 36116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29 | — | $29 | 0.86% |
| DILLON,BRADFORD, S3 | 2 RIVERCHASE RIDGE STE 200 BIRMINGHAM, AL 35244 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11 | — | $11 | 0.33% |
| WILLIAMS, JOHN3 Filed as: WILLIAMS, JOHN, TYLER | 4465 PARK BLVD MONTGOMERY, AL 36116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11 | — | $11 | 0.33% |
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 | 134 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 134 | $1.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 282 | $164K |
| Vision | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 134 | $1.0M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 282 | $168K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 282 | $164K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 282 | $164K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 134 | $1.0M |
| Other(4 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 282 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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.