| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S S NESBITT & CO INC5 Filed as: S. S. NESBIT & CO, INC. | 3500 BLUE LAKE DR STE 120 BIRMINGHAM, AL 35243 | SYMETRA LIFE INSURANCE COMPANY | — | $8K | $8K | 5.55% |
| S S NESBITT & CO INC3 Filed as: S S NESBITT & CO INC. | 3500 BLUE LAKE DRIVE, STE 120 BIRMINGHAM, AL 352431909 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 2.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHEILD OF ALABAMA EIN 63-0103830 THIRD PARTY ADMINISTRATO | Claims processing Service code 12 | 450 RIVERCHASE PKWY E, PO BOX 995 BIRMINGHAM, AL 35298 | $716K |
| WECARE TLC, LLC THIRD PARTY ADMINISTRAT | Claims processing Service code 12 | 120 INTERNATIONAL PARKWAY SUITE 220 LAKE MARY, FL 32746 | $543K |
| AMERICAN BEHAVIORAL BENEFIT MGRS EIN 63-1030881 THIRD PARTY ADMINISTRATO | Claims processing Service code 12 | 2204 LAKESHORE DRIVE, STE 135 BIRMINGHAM, AL 35209 | $300K |
| HEALTHGROUP OF ALABAMA OHG HSV EIN 26-0811369 ONSITE MEDICAL SERVICE | Other services Service code 49 | 1963 MEMORIAL PARKWAY STE 24 HUNTSVILLE, AL 35801 | $138K |
| FLEXIBLE BENEFITS ADMINISTRATORS EIN 54-1416480 NONE | Claims processing Service code 12 | P.O. BOX 8188 VIRGINIA BEACH, VA 23450 | $30K |
| DELTA DENTAL INSURANCE COMPANY EIN 94-2761537 THIRD PARTY ADMINISTRATO | Claims processing Service code 12 | PO BOX 1809 ALPHARETTA, GA 30023 | $10K |
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 | 1,192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 29 | $96K |
| Vision | HUMANA INSURANCE COMPANY | 884 | $136K |
| Life insurance | CIGNA GROUP INSURANCE | 3,387 | $610K |
| Short-term disability | CIGNA GROUP INSURANCE | 961 | $158K |
| Long-term disability | CIGNA GROUP INSURANCE | 1,411 | $230K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 29 | $96K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 1,065 | $139K |
| Other(2 contracts) | CIGNA GROUP INSURANCE | 1,411 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,387 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.