| 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 | $12K | — | $12K | 13.00% |
| ESTES PEGRAM HOLLIFIELD3 Filed as: ESTES PEGRAM & ASSOCIATES INC | 300 VESTAVIA PARKWAY SUITE 2300 VESTAVIA, AL 35216 | NATIONAL GUARDIAN LIFE | $8K | — | $8K | 10.00% |
| ESTES PEGRAM HOLLIFIELD3 Filed as: ESTES PEGRAM AND ASSOCIATES, INC. | 300 VESTAVIA PARKWAY SUITE 2300 BIRMINGHAM, AL 35216 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 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% |
| PATRICK T HOLLIFIELD3 | 300 VESTAVIA PKWY STE 2300 VESTAVIA, AL 35216 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 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 | 15.00% |
| ESTES PEGRAM HOLLIFIELD3 Filed as: ESTES PEGRAM & ASSOCIATES, INC. | 300 VESTAVIA PARKWAY SUITE 2300 BIRMINGHAM, AL 35216 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $561 | — | $561 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 ADMINISTRATOR | Claims processing Service code 12 | — | $571K |
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 | 906 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 909 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE | 704 | $83K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 716 | $38K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 222 | $89K |
| Long-term disability(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 222 | $146K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 905 | $380K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 716 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 905 | — |
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.