| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ESTES PEGRAM HOLLIFIELD3 Filed as: ESTES PEGRAM ASSOC INC | 300 VESTAVIA PARKWAY STE 2300 VESTAVIA, AL 35216 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 9.99% |
| ESTES PEGRAM HOLLIFIELD3 Filed as: ESTES PEGRAM & ASSOCIATION INC | 300 VESTAVIA PKWY STE 2300 BIRMINGHAM, AL 35216 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 14.80% |
| ESTES PEGRAM HOLLIFIELD3 Filed as: ESTES PEGRAM & ASSOCIATES | 300 VESTAVIA PKWY, STE 2300 VESTAVIA, AL 35216 | NATIONAL GUARD LIFE | $2K | $0 | $2K | 9.92% |
| ESTES PEGRAM HOLLIFIELD3 Filed as: ESTES PEGRAM & ASSOCIATION INC | 300 VESTAVIA PKWY STE 2300 BIRMINGHAM, AL 35216 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 21.33% |
| HOLLIFIELD PATRICK3 | 740 SUSSEX DR VESTAVIA HILLS, AL 35226 | KC LIFE | $1K | $0 | $1K | 12.06% |
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 | 159 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 37 | $16K |
| Dental(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 159 | $85K |
| Vision | NATIONAL GUARD LIFE | 258 | $17K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 158 | $50K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 107 | $40K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 107 | $40K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 107 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.