| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 30 BRAINTREE HILL OFFICE PARK SUITE BRAINTREE, MA 02184 | HCC LIFE INSURANCE COMPANY | $4K | — | $4K | 4.08% |
| H.J. KNIGHT INTERNATIONAL INSURANCE3 | 30 BRAINTREE HILL OFFICE PARK SUITE 203 BRAINTREE, MA 02184 | HCC LIFE INSURANCE COMPANY | $3K | — | $3K | 3.30% |
| MOLTON ALLEN WILLAMS LLC3 | 1000 URBAN CENTER DRIVE 625 VESTAVIA, AL 35242 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 15.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1000 URBAN CENTER DRIVE BIRMINGHAM, AL 35242 | HARTFORD LIFE AND ACCIDENT | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 63-0103830 NONE | Contract Administrator; Claims processing Service code 12 | 450 RIVERCHASE PARKWAY E BIRMINGHAM, AL 35244 | $205K |
| SOUTHERN BENEFIT ADMINISTRATOR, INC EIN 62-1116095 NONE | Contract Administrator; Claims processing Service code 12 | P.O. BOX 1449 GOODLETTSVILLE, TN 37070 | $101K |
| BBVA COMPASS BANK EIN 63-0476286 NONE | Investment management fees paid directly by plan; Investment management; Investment advisory (plan) Service code 27 | P.O. BOX 10566 BIRMINGHAM, AL 35296 | $18K |
| POTTER, BRYANT & MOORE, P.C. EIN 63-0966970 NONE | Accounting (including auditing) Service code 10 | 234 AQUARIUS DR, STE 109 BIRMINGHAM, AL 35209 | $12K |
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 | 259 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 273 | $70K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 273 | $70K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 273 | $70K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 233 | $92K |
| Other | HARTFORD LIFE AND ACCIDENT | 273 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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.