| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PRIESTLEY COMPANY3 | 3100 SUNVIEW DR STE 100 BIRMINGHAM, AL 35243 | UNION SECURITY INSURANCE COMPANY | $7K | $0 | $7K | 7.12% |
| DONALD L HERMAN & ASSOCIATES3 | P O BOX 531178 BIRMINGHAM, AL 35253 | UNION SECURITY INSURANCE COMPANY | $7K | $0 | $7K | 7.12% |
| MICHAEL SELIGMAN3 | 9 OFFICE PARK CIRCLE, SUITE 108 BIRMINGHAM, AL 352232501 | COMPBENEFITS INSURANCE CO | $3K | $0 | $3K | 7.42% |
| BAYER, HARRY, HANOVER3 | — | PROVIDENT LIFE & ACCIDENT INSURANCE CO. | $4K | $0 | $4K | 9.46% |
| FINANCIAL SECURITY CORP3 | MICHAEL E DANIELS TWO N TWENTIETH ST STE 1500 BIRMINGHAM, AL 35244 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 15.00% |
| JANE A. WHITE3 | — | AMERICAN HERITAGE LIFE INSURANCE CO. | $2K | $0 | $2K | 9.73% |
| THE MARCUS AGENCY LLC0 | — | AMERICAN HERITAGE LIFE INSURANCE CO. | $920 | $0 | $920 | 5.05% |
| SUSAN WRIGHT3 | — | AMERICAN HERITAGE LIFE INSURANCE CO. | $798 | $0 | $798 | 4.38% |
| WILLIAM HAROLD OWENS3 | — | AMERICAN HERITAGE LIFE INSURANCE CO. | $241 | $0 | $241 | 1.32% |
| THE PRIESTLEY COMPANY3 | 2 METROPLEX DRIVE, STE 111 BIRMINGHAM, AL 35209 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 7.50% |
| DONALD HERMAN & ASSOC3 | P O BOX 531178 BIRMINGHAM, AL 35235 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 7.50% |
| GLOBAL COMMISSION FUNDING LLC3 | 6201 PRESIDENTAL CT FORT MEYERS, FL 33919 | TRANSAMERICA LIFE INSURANCE COMPANY | $947 | $0 | $947 | 9.00% |
| AMERICAN INS MARKETING SVCS INC3 | 101 TECHNACENTER DR. MONTGOMERY, AL 36117 | TRANSAMERICA LIFE INSURANCE COMPANY | $421 | $0 | $421 | 4.00% |
| EDWIN VEGA3 Filed as: EDWIN L. PETERS, JR. | — | THE PAUL REVERE LIFE INSURANCE CO. | $36 | $0 | $36 | 1.61% |
| FINANCIAL SECURITY CORP3 | MICHAEL E DANIELS TWO N TWENTIETH ST STE 1500 BIRMINGHAM, AL 35244 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $91 | $0 | $91 | 10.04% |
| BAYER, HARRY, HANOVER3 | — | PROVIDENT LIFE & ACCIDENT INSURANCE CO. | $86 | $0 | $86 | 10.01% |
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 | 406 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS & BLUE SHIELD OF ALABAMA | 354 | $4.1M |
| Dental | BLUE CROSS & BLUE SHIELD OF ALABAMA | 354 | $4.1M |
| Vision | COMPBENEFITS INSURANCE CO | 227 | $45K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 405 | $97K |
| Long-term disability(3 contracts, 2 carriers) | PROVIDENT LIFE & ACCIDENT INSURANCE CO. | 21 | $47K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF ALABAMA | 354 | $4.1M |
| Other(4 contracts, 4 carriers) | BLUE CROSS & BLUE SHIELD OF ALABAMA | 354 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.