| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S S NESBITT & CO INC3 | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $60K | — | $60K | 6.79% |
| S S NESBITT & CO INC3 Filed as: S S NESBITT & CO INC. | 3500 BLUE LAKE DRIVE, STE 120 BIRMINGHAM, AL 352431909 | VISION SERVICE PLAN | $15K | — | $15K | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PARETO HEALTH, AL LLC THIRD PARTY ADMINISTRAT | Claims processing Service code 12 | 120 INTERNATIONAL PARKWAY SUITE 220 LAKE MARY, FL 32746 | $1.1M |
| BLUECROSS BLUESHIELD OF ALABAMA EIN 63-0103830 THIRD PARTY ADMINISTRATO | Claims processing Service code 12 | 450 RIVERCHASE PKWY E, PO BOX 995 BIRMINGHAM, AL 35298 | $942K |
| AMERICAN BEHAVIORAL BENEFIT MGRS EIN 63-1030881 THIRD PARTY ADMINISTRATO | Claims processing Service code 12 | 2204 LAKESHORE DRIVE, STE 135 BIRMINGHAM, AL 35209 | $359K |
| HEALTHGROUP OF ALABAMA OHG HSV EIN 26-0811369 ONSITE MEDICAL SERVICE | Other services Service code 49 | 1963 MEMORIAL PARKWAY STE 24 HUNTSVILLE, AL 35801 | $147K |
| DELTA DENTAL INSURANCE COMPANY EIN 94-2761537 THIRD PARTY ADMINISTRATO | Claims processing Service code 12 | PO BOX 1809 ALPHARETTA, GA 30023 | $63K |
| FLEXIBLE BENEFITS ADMINISTRATORS EIN 54-1416480 NONE | Claims processing Service code 12 | P.O. BOX 8188 VIRGINIA BEACH, VA 23450 | $45K |
| RXBENEFITS, INC. EIN 63-1157085 THIRD PARTY ADMINISTRATO | Claims processing Service code 12 | — | $20K |
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 | 1,490 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,503 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,167 | $151K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,811 | $887K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,811 | $887K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,811 | $887K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 1,351 | $397K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,811 | $887K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,811 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.