| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UTIC INSURANCE COMPANY3 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 352442858 | BCS INSURANCE COMPANY | $36K | $36K | $72K | 20.00% |
| ESTES PEGRAM HOLLIFIELD3 Filed as: ESTES PEGRAM & ASSOCIATES INC | 300 VESTAVIA PARKWAY SUITE 2300 VESTAVIA, AL 35216 | NATIONAL GUARDIAN LIFE | $8K | — | $8K | 9.99% |
| ESTES PEGRAM HOLLIFIELD3 Filed as: ESTES PEGRAM & ASSOCIATES INC | 300 VESTAVIA PARKWAY SUITE 2300 VESTAVIA, AL 35216 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 13.00% |
| ESTES PEGRAM HOLLIFIELD3 Filed as: ESTES PEGRAM AND ASSOCIATES, INC. | 300 VESTAVIA PARKWAY SUITE 2300 BIRMINGHAM, AL 35216 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 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 | $6K | — | $6K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 ADMINISTRATOR | Claims processing Service code 12 | — | $544K |
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 | 821 | 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) | 823 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE | 691 | $84K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 815 | $37K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 212 | $79K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 212 | $136K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 877 | $361K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 815 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 877 | — |
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.