| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORKSITE BENEFIT SERVICES3 Filed as: WORKSITE BENEFIT SERVICES, INC. | 246 INVERNESS CENTER DRIVE BIRMINGHAM, AL 352424834 | RELIASTAR LIFE INSURANCE COMPANY | $306K | $8K | $313K | 17.03% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS INC. | 2211 7TH AVENUE SOUTH BIRMINGHAM, AL 352332310 | RELIASTAR LIFE INSURANCE COMPANY | $297K | — | $297K | 16.18% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS, INC. | 2211 7TH AVENUE SOUTH BIRMINGHAM, AL 352332310 | AMERITAS LIFE INSURANCE CORP. | $133K | $15K | $148K | 11.09% |
| RICHARD FULLER HERRING3 Filed as: RICHARD HERRING SR. | 246 INVERNESS CENTER DRIVE BIRMINGHAM, AL 35242 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $73K | — | $73K | 13.21% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS | 2211 7TH AVENUE SOUTH BIRMINGHAM, AL 35233 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46K | — | $46K | 8.37% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS INC. | 2211 7TH AVENUE SOUTH BIRMINGHAM, AL 352332310 | AMERITAS LIFE INSURANCE CORP. | $26K | $5K | $30K | 11.80% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS | 2211 7TH AVENUE SOUTH BIRMINGHAM, AL 35233 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 6,657 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,688 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 4,198 | $19.5M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 9,924 | $1.3M |
| Vision | AMERITAS LIFE INSURANCE CORP. | 8,030 | $256K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 6,657 | $1.8M |
| Short-term disability(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 6,657 | $2.4M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 6,657 | $1.8M |
| Prescription drug(2 contracts) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 4,198 | $19.5M |
| Other(5 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 9,924 | $22.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,924 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.