| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S S NESBITT & CO INC0 Filed as: S. S. NESBITT AND CO INC | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | HCC LIFE INSURANCE COMPANY | $41K | — | $41K | 5.00% |
| RXBENEFITS, INC.3 | 3700 COLONNADE PKWY, STE 600 BIRMINGHAM, AL 25243 | RX BENEFITS | $2K | — | $2K | 0.29% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | SYMETRA LIFE INSURANCE COMPANY | $36K | — | $36K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 N/A | Contract Administrator Service code 13 | — | $159K |
| DISCOVERY BENEFITS EIN 90-0058554 N/A | Contract Administrator Service code 13 | — | $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 | 364 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE | 332 | $20K |
| Life insurance(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 159 | $1.1M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 159 | $243K |
| Prescription drug | RX BENEFITS | 130 | $693K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.