| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JIMMY C LUNSFORD0 | 112 VINCENT AVENUE TROY, AL 36079 | GUARDIAN INSURANCE | $27K | $0 | $27K | 6.02% |
| HOMER R SMITH0 | 219 HILLTOP CIRCLE DEATSVILLE, AL 36022 | GUARDIAN INSURANCE | $14K | $0 | $14K | 3.16% |
| RR SMITH INSURANCE0 | 291 HILLTOP CIRCLE DEATSVILLE, AL 36022 | KANSAS CITY LIFE INSURANCE COMPANY | $21K | $0 | $21K | 8.31% |
| JIMMY C LUNSFORD0 | 112 VINCENT AVE TROY, AL 36079 | KANSAS CITY LIFE INSURANCE COMPANY | $12K | $0 | $12K | 4.84% |
| RR SMITH INSURANCE0 Filed as: RR SMITH INSURANCE AGENCY LLC | 291 HILLTOP CIRCLE DEATSVILLE, AL 36022 | METLIFE | $13K | $0 | $13K | 8.83% |
| JACKSON STEPHEN FLOWERS0 Filed as: JACKSON FLOWERS | P.O. BOX 973 TROY, AL 36081 | METLIFE | $9K | $0 | $9K | 6.20% |
| RR SMITH INSURANCE0 | 291 HILLTOP CIRCLE DEATSVILLE, AL 36022 | AXIS INSURANCE COMPANY | $3K | $0 | $3K | 6.24% |
| JIMMY C LUNSFORD0 | 112 VINCENT AVE TROY, AL 36079 | AXIS INSURANCE COMPANY | $2K | $0 | $2K | 3.76% |
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 | 1,037 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,037 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF ALABAMA | 1,037 | $6.4M |
| Dental | GUARDIAN INSURANCE | 998 | $455K |
| Vision | GUARDIAN INSURANCE | 998 | $455K |
| Life insurance(2 contracts, 2 carriers) | METLIFE | 1,320 | $197K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 358 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,320 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.