| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S S NESBITT & CO INC3 Filed as: SS NESBITT AND COMPANY INC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 6.50% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT & COMPANY | — | DELTA DENTAL INSURANCE COMPANY | $7K | — | $7K | 13.85% |
| S S NESBITT & CO INC3 Filed as: SS NESBIT AND COMPANY INC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $135 | $3K | 15.75% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT AND COMPANY INC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $133 | $3K | 15.75% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT AND CO INC | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | VISION SERVICE PLAN | $800 | — | $800 | 10.00% |
| EMPLOYER BENEFIT SOLUTIONS INC3 | 1968 EASTERN VALLEY ROAD BESSEMER, AL 35022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $512 | — | $512 | 7.48% |
| KAREN L BURGESS3 Filed as: KAREN BURGESS | 1968 EASTERN VALLEY ROAD BESSEMER, AL 35022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $418 | — | $418 | 6.11% |
| TIMOTHY G BURCH JR3 | 2608 8TH STREET TUSOALOOSA, AL 35401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $157 | — | $157 | 2.29% |
| DAVID G CHAVIERS3 | 350 LOCUST STREET GADSDEN, AL 35901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $109 | — | $109 | 1.59% |
| SCOTT J RUSSELL3 | 15275 LOBLOLLY COURT NORTHPORT, AL 35475 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | — | $72 | 1.05% |
| RONALD E KIRKLAND3 | 4 SOTHEBY PLACE SOUTHEAST GURLEY, AL 35748 | CONTINENTAL AMERICAN INSURANCE COMPANY | $69 | — | $69 | 1.01% |
| RONNIE N FURMAN3 | 6521 HIGHWAY 67 SOUTH SUITE M TUSCALOOSA, AL 35405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 0.61% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | — | $36 | 0.53% |
| SALLY MEAD3 | 1535 FIANNA PLACE TERRACE FORT SMITH, AR 72908 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.38% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.15% |
| JOHN TODD LEE3 Filed as: JOHN 'TODD' LEE | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.12% |
| LYNNE H SCHORR3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.07% |
No Schedule C service providers reported on this filing.
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 | 99 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 59 | $52K |
| Vision | VISION SERVICE PLAN | 39 | $8K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $170K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $18K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $134K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 99 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.