| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 300 WEST 10TH ST P O BOX 70 WEST POINT, GA 31833 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 8.61% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $134 | $134 | 0.05% |
| MICHAEL SELIGMAN3 | 9 OFFICE PARK CIRCLE, SUITE 108 BIRMINGHAM, AL 352232501 | COMPBENEFITS INSURANCE CO | $3K | — | $3K | 6.93% |
| JANE A. WHITE3 | — | AMERICAN HERITAGE LIFE INSURANCE CO. | $768 | — | $768 | 5.68% |
| THE MARCUS AGENCY LLC3 | — | AMERICAN HERITAGE LIFE INSURANCE CO. | $321 | — | $321 | 2.37% |
| SUSAN WRIGHT3 | — | AMERICAN HERITAGE LIFE INSURANCE CO. | $129 | — | $129 | 0.95% |
| WILLIAM HAROLD OWENS3 | — | AMERICAN HERITAGE LIFE INSURANCE CO. | $96 | — | $96 | 0.71% |
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 | 397 | 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) | 401 | 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 | 689 | $4.3M |
| Dental | BLUE CROSS & BLUE SHIELD OF ALABAMA | 689 | $4.2M |
| Vision | COMPBENEFITS INSURANCE CO | 223 | $42K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 397 | $289K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 397 | $289K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 397 | $289K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF ALABAMA | 689 | $4.2M |
| Other(3 contracts, 2 carriers) | BLUE CROSS & BLUE SHIELD OF ALABAMA | 689 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 689 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.