| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAMS FINANCIAL3 | 3756 VALLEY HEAD ROAD BIRMINGHAM, AL 35223 | HARTFORD LIFE AND ACCIDENT | $16K | $0 | $16K | 7.50% |
| EMPLOYEE BENEFIT PLANNING3 | P O BOX 430068 BIRMINGHAM, AL 35243 | HARTFORD LIFE AND ACCIDENT | $16K | $0 | $16K | 7.50% |
| WILLIAMS FINANCIAL3 | 3756 VALLEY HEAD ROAD BIRMINGHAM, AL 35223 | GUARDIAN | $3K | $0 | $3K | 15.00% |
| THE MATHIS-HILL-ROBERTSON AGENCY3 | 5040 ROSWELL RD, STE 100 ATLANTA, GA 30342 | GUARDIAN | $69 | $0 | $69 | 0.30% |
| WILLIAMS MILLER GRIEVE3 | 203 MORNINGSIDE CIRCLE BIRMINGHAM, AL 35213 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $700 | $0 | $700 | 7.50% |
| EMPLOYEE BENEFIT PLANNING3 | P O BOX 430068 BIRMINGHAM, AL 35243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $700 | $0 | $700 | 7.50% |
| WILLIAMS MILLER GRIEVE3 | 203 MORNINGSIDE CIRCLE BIRMINGHAM, AL 35213 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $587 | $0 | $587 | 7.50% |
| EMPLOYEE BENEFIT PLANNING3 | P O BOX 430068 BIRMINGHAM, AL 35243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $587 | $0 | $587 | 7.50% |
| WILLIAMS FINANCIAL3 | 3756 VALLEY HEAD ROAD BIRMINGHAM, AL 35223 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $916 | $0 | $916 | 15.00% |
| WILLIAMS MILLER GRIEVE3 | 203 MORNINGSIDE CIRCLE BIRMINGHAM, AL 35213 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $239 | $0 | $239 | — |
| EMPLOYEE BENEFIT PLANNING3 | P O BOX 430068 BIRMINGHAM, AL 35243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $239 | $0 | $239 | — |
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 | 122 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 50 | $11K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 122 | $29K |
| Short-term disability(5 contracts, 3 carriers) | GUARDIAN | 122 | $46K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 122 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.