| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ESTES PEGRAM HOLLIFIELD3 | 300 VESTAVIA PARKWAY SUITE 2300 BIRMINGHAM, AL 35216 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $100K | — | $100K | 10.87% |
| ESTES PEGRAM HOLLIFIELD3 | 300 VESTAVIA PARKWAY SUITE 2300 BIRMINGHAM, AL 35216 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $35K | — | $35K | 11.01% |
| ESTES PEGRAM HOLLIFIELD3 | 300 VESTAVIA PARKWAY SUITE 2300 BIRMINGHAM, AL 35216 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.76% |
| ESTES PEGRAM HOLLIFIELD3 | 300 VESTAVIA PARKWAY SUITE 2300 BIRMINGHAM, AL 35216 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 9.34% |
| ESTES PEGRAM HOLLIFIELD3 | 300 VESTAVIA PARKWAY SUITE 2300 BIRMINGHAM, AL 35216 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $636 | — | $636 | 9.43% |
| ESTES PEGRAM HOLLIFIELD3 | 300 VESTAVIA PARKWAY SUITE 2300 BIRMINGHAM, AL 35216 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $58 | — | $58 | 9.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| VIVA HEALTH EIN 63-1156363 | Claims processing Service code 12 | — | $212K |
| CAREMARK EIN 75-2882129 | Claims processing Service code 12 | — | $12K |
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 | 448 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 688 | $934K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 430 | $325K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 440 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 688 | — |
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.