| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S S NESBITT & CO INC Filed as: SS NESBITT & CO INC. | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 0.96% |
| S S NESBITT & CO INC Filed as: SS NESBITT & CO INC. | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 0.98% |
| S S NESBITT & CO INC Filed as: SS NESBITT & CO INC. | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $404 | $404 | 0.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICAN BEHAVIORAL BENEFIT MGRS EIN 63-1030881 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | 2204 LAKESHORE DRIVE SUITE 135 BIRMINGHAM, AL 35209 | $317K |
| BLUECROSS AND BLUE SHIELD OF ALABAM EIN 63-0103830 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35298 | $313K |
| HEALTHGROUP OF ALABAMA OHG HSV EIN 26-0811369 ONSITE MEDICAL SERVICE | Other services Service code 49 | 1963 MEMORIAL PARKWAY SUITE 24 HUNTSVILLE, AL 35801 | $81K |
| UNITED CONCORDIA COMPANIES, INC. EIN 25-1687586 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | 4401 DEER PATH ROAD HARRISBURG, PA 17110 | $24K |
| TASC EIN 39-1561025 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | 2302 INTERNATIONAL LANE MADISON, WI 53704 | $18K |
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 | 1,058 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,061 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMPBENEFITS | 608 | $52K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $721K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $115K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 965 | $276K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 965 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.