| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | J SMITH LANIER, A MARSH MCLENNAN AG 300 WEST 10TH ST WEST POINT, GA 31833 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $23K | $8K | $31K | 13.34% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $122 | $122 | 0.05% |
| MICHAEL SELIGMAN3 | 9 OFFICE PARK CIRCLE, SUITE 108 BIRMINGHAM, AL 352232501 | COMPBENEFITS INSURANCE CO | $3K | — | $3K | 6.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC DBA J | 206 EXCHANGE PLACE HUNTSVILLE, AL 358062300 | COMPBENEFITS INSURANCE CO | $327 | — | $327 | 0.81% |
| JANE A. WHITE3 | — | AMERICAN HERITAGE LIFE INSURANCE CO. | $558 | — | $558 | 5.27% |
| THE MARCUS AGENCY LLC3 | — | AMERICAN HERITAGE LIFE INSURANCE CO. | $239 | — | $239 | 2.26% |
| SUSAN WRIGHT3 | — | AMERICAN HERITAGE LIFE INSURANCE CO. | $110 | — | $110 | 1.04% |
| WILLIAM HAROLD OWENS3 | — | AMERICAN HERITAGE LIFE INSURANCE CO. | $72 | — | $72 | 0.68% |
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 | 359 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | 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) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF ALABAMA | 310 | $4.3M |
| Dental | BLUE CROSS & BLUE SHIELD OF ALABAMA | 310 | $4.3M |
| Vision | COMPBENEFITS INSURANCE CO | 210 | $40K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 359 | $235K |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 359 | $245K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 359 | $235K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF ALABAMA | 310 | $4.3M |
| Other(4 contracts, 3 carriers) | BLUE CROSS & BLUE SHIELD OF ALABAMA | 359 | $4.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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.