| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UTIC INSURANCE COMPANY3 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 352442858 | BCS INSURANCE COMPANY | $38K | $38K | $76K | 20.00% |
| ESTES PEGRAM HOLLIFIELD3 Filed as: ESTES PEGRAM & ASSOCIATES INC | 300 VESTAVIA PARKWAY SUITE 2300 VESTAVIA, AL 35216 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 13.00% |
| PATRICK T HOLLIFIELD3 Filed as: PATRICK HOLLIFIELD | 300 VESTAVIA PKWY 2300 VESTAVIA, AL 35216 | NATIONAL GUARDIAN LIFE | $8K | — | $8K | 9.70% |
| ESTES PEGRAM HOLLIFIELD3 Filed as: ESTES PEGRAM AND ASSOCIATES, INC. | 300 VESTAVIA PARKWAY SUITE 2300 BIRMINGHAM, AL 35216 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| ESTES PEGRAM HOLLIFIELD3 Filed as: ESTES PEGRAM AND ASSOCIATES, INC. | 300 VESTAVIA PARKWAY SUITE 2300 BIRMINGHAM, AL 35216 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| ESTES PEGRAM HOLLIFIELD3 Filed as: ESTES PEGRAM & ASSOCIATES, INC. | 300 VESTAVIA PARKWAY SUITE 2300 BIRMINGHAM, AL 35216 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| PATRICK T HOLLIFIELD3 | 300 VESTAVIA PKWY STE 2300 VESTAVIA, AL 35216 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| ESTES PEGRAM HOLLIFIELD3 Filed as: ESTES PEGRAM & ASSOCIATES, INC. | 300 VESTAVIA PARKWAY SUITE 2300 BIRMINGHAM, AL 35216 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 ADMINISTRATOR | Claims processing Service code 12 | — | $518K |
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 | 775 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 777 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE | 629 | $78K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 689 | $40K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 223 | $81K |
| Long-term disability(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 223 | $140K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 892 | $378K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 689 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 892 | — |
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.