| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UTIC INSURANCE COMPANY3 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 352442858 | BCS INSURANCE COMPANY | $38K | $38K | $77K | 20.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SRVS LLC OF ATLANTA GA | 100 SUMMIT LAKE DR STE 400 VALHALLA, NY 10595 | BEAZLEY INSURANCE COMPANY INC | $24K | — | $24K | 8.72% |
| YTY LLC3 | 103 E 13TH ST ANNISTON, AL 36201 | BEAZLEY INSURANCE COMPANY INC | $14K | — | $14K | 4.99% |
| ESTES PEGRAM HOLLIFIELD3 Filed as: ESTES PEGRAM & ASSOCIATES INC | 300 VESTAVIA PARKWAY SUITE 2300 VESTAVIA, AL 35216 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 7.92% |
| USI INSURANCE SERVICES LLC3 | 1715 N WESTSHORE BLVD SUITE 700 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.08% |
| USI INSURANCE SERVICES LLC3 | 1000 URBAN CENTER DR, STE 625 BIRMINGHAM, AL 35242 | NATIONAL GUARDIAN LIFE | $5K | — | $5K | 6.41% |
| ESTES PEGRAM HOLLIFIELD3 Filed as: ESTES PEGRAM & ASSOCIATES INC | 300 VESTAVIA PKWY, STE 2300 VESTAVIA, AL 35216 | NATIONAL GUARDIAN LIFE | $4K | — | $4K | 4.17% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 7.74% |
| ESTES PEGRAM HOLLIFIELD3 Filed as: ESTES PEGRAM & ASSOCIATES, INC. | 300 VESTAVIA PARKWAY SUITE 2300 BIRMINGHAM, AL 35216 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 7.26% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 7.55% |
| ESTES PEGRAM HOLLIFIELD3 Filed as: ESTES PEGRAM AND ASSOCIATES, INC. | 300 VESTAVIA PARKWAY SUITE 2300 BIRMINGHAM, AL 35216 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 7.45% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS INC DBA GBS BENEFITS | INS AGENCY 465 S 400 E STE 300 SALT LAKE CTY, UT 841113349 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.99% |
| RANDALL ROBERT COUSINS3 | 4200 N SEASONS VIEW DR APT D40 LEHI, UT 840436223 | PRINCIPAL LIFE INSURANCE COMPANY | $781 | — | $781 | 2.24% |
| LEAVITT GROUP3 Filed as: LEAVITT GRP AGENCY ASSOCIATION LLC | 216 S 200 W CEDAR CITY, UT 847203207 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $344 | $344 | 0.99% |
| EMERSON REID LLC3 | ATTN COMMISSIONS DEPARTMENT 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 194222240 | PRINCIPAL LIFE INSURANCE COMPANY | $233 | — | $233 | 0.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 ADMINISTRATOR | Claims processing Service code 12 | — | $559K |
| HEALTH EQUITY FSA EIN 56-1542307 FSA ADMINISTRATOR | Claims processing Service code 12 | — | $3K |
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 | 847 | 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) | 850 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE | 628 | $84K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 857 | $72K |
| Short-term disability(3 contracts, 3 carriers) | BEAZLEY INSURANCE COMPANY INC | 852 | $395K |
| Long-term disability(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 196 | $185K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 852 | $384K |
| Other(2 contracts, 2 carriers) | BEAZLEY INSURANCE COMPANY INC | 857 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 857 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.