| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DR STE 120 VESTAVIA, AL 35243 | CIGNA GROUP INSURANCE | $24K | — | $24K | 18.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES-ALABAMA | 729 DALLAS AVE SELMA, AL 36701 | CIGNA GROUP INSURANCE | $8K | — | $8K | 6.11% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DR STE 120 VESTAVIA, AL 35243 | CIGNA GROUP INSURANCE | $5K | — | $5K | 14.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES-ALABAMA | 729 DALLAS AVE SELMA, AL 36701 | CIGNA GROUP INSURANCE | $2K | — | $2K | 5.21% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DR STE 120 VESTAVIA, AL 35243 | CIGNA GROUP INSURANCE | $3K | — | $3K | 15.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES-ALABAMA | 729 DALLAS AVE SELMA, AL 36701 | CIGNA GROUP INSURANCE | $992 | — | $992 | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES-ALABAMA | 729 DALLAS AVE SELMA, AL 36701 | VISION SERVICE PLAN | $616 | — | $616 | 6.11% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DR STE 120 VESTAVIA, AL 352431909 | VISION SERVICE PLAN | $105 | — | $105 | 1.04% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DR STE 120 VESTAVIA, AL 35243 | CIGNA GROUP INSURANCE | $347 | — | $347 | 14.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES-ALABAMA | 729 DALLAS AVE SELMA, AL 36701 | CIGNA GROUP INSURANCE | $123 | — | $123 | 5.24% |
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 | 92 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 92 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 56 | $10K |
| Life insurance | CIGNA GROUP INSURANCE | 92 | $31K |
| Short-term disability(2 contracts) | CIGNA GROUP INSURANCE | 92 | $22K |
| Long-term disability | CIGNA GROUP INSURANCE | 92 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 92 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.