| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANCE INSURANCE GROUP LLC3 | ALLIANCE INSURANCE GROUP LLC MONTGOMERY, AL 36117 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 8.91% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | GIS BENEFITS INC. MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $10K | $10K | 4.67% |
| ALLIANCE INSURANCE GROUP LLC3 | P O BOX 240518 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 5.24% |
| CHARLES W JINRIGHT3 | PO BOX 240518 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.59% |
| THOMAS JASON HICKS3 | P.O. BOX 240518 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $793 | — | $793 | 0.96% |
| STACIA ROBINSON3 | 6008 E SHIRLEY LANE MONTGOMERY, AL 36117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $365 | $9 | $374 | 0.45% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $233 | — | $233 | 0.28% |
| MICHAEL G. HICKS3 Filed as: MICHAEL G HICKS | PO BOX 240518 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $232 | — | $232 | 0.28% |
| COMPLETE BUSINESS BENEFITS INC3 | 3751 HONEYSUCKLE COURT MONTGOMERY, AL 36109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| THOMAS HAYWOOD COWLES3 | 1535 OLD MERIWETHER TRALL LA PINE, AL 36046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| JERRY JOHNSTON3 | P.O. BOX 331 712 S BRUNRIDGE ST TROY, AL 36081 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $555 | — | $555 | 11.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $8K |
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 | 228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 355 | $970K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 223 | $213K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 223 | $296K |
| Short-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 223 | $296K |
| Long-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 223 | $217K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 355 | $970K |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 355 | $970K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.