| 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 | $16K | $39K | 17.20% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $128 | $128 | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 206 EXCHANGE PLACE HUNTSVILLE, AL 358062300 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 7.56% |
| JANE A. WHITE3 | — | AMERICAN HERITAGE LIFE INSURANCE CO. | $612 | — | $612 | 5.31% |
| THE MARCUS AGENCY LLC3 | — | AMERICAN HERITAGE LIFE INSURANCE CO. | $255 | — | $255 | 2.21% |
| SUSAN WRIGHT3 | — | AMERICAN HERITAGE LIFE INSURANCE CO. | $100 | — | $100 | 0.87% |
| WILLIAM HAROLD OWENS3 | — | AMERICAN HERITAGE LIFE INSURANCE CO. | $77 | — | $77 | 0.67% |
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 | 353 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | 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) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF ALABAMA | 290 | $4.5M |
| Dental | BLUE CROSS & BLUE SHIELD OF ALABAMA | 290 | $4.5M |
| Vision | HUMANA INSURANCE COMPANY | 201 | $39K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 353 | $227K |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 353 | $239K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 353 | $227K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF ALABAMA | 290 | $4.5M |
| Other(4 contracts, 3 carriers) | BLUE CROSS & BLUE SHIELD OF ALABAMA | 353 | $4.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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.