| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S S NESBITT & CO INC3 Filed as: S. S. NESBITT AND CO INC | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 7.50% |
| S S NESBITT & CO INC3 Filed as: S. S. NESBITT AND CO INC | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $516 | — | $516 | 0.23% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE, SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $79 | $79 | 0.04% |
| S S NESBITT & CO INC3 Filed as: S. S. NESBITT AND CO INC | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | RELIANCE STANDARD LIFE INCURANCE COMPANY | $8K | — | $8K | 15.00% |
| S S NESBITT & CO INC0 Filed as: S. S. NESBITT AND CO INC | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | EYE MED VISION CARE | $2K | — | $2K | 9.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 N/A | Contract Administrator Service code 13 | — | $148K |
| DISCOVERY BENEFITS EIN 90-0058554 N/A | Contract Administrator Service code 13 | — | $5K |
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 | 178 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYE MED VISION CARE | 259 | $20K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 218 | $221K |
| Long-term disability | RELIANCE STANDARD LIFE INCURANCE COMPANY | 174 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.