| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S S NESBITT & CO INC3 Filed as: S. S. NESBITT AND CO, INC. | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 12.36% |
| UNKNOWN3 | UNKNOWN DECATUR, AL 35603 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 5.29% |
| NORMAN WILKINS3 | 405 COALMONT ROAD HELENA, AL 35080 | AFLAC | $4K | $75 | $4K | 8.07% |
| REID ALFORD3 | 300 CAHABA PARK CIRCLE, SUITE 133 BIRMINGHAM, AL 35242 | AFLAC | $1K | $15 | $1K | 2.73% |
| BIG RED BENEFITS, LLC3 | 762 DOWNTOWNER LOOP WEST SUITE 202 MOBILE, AL 36609 | AFLAC | $1K | $0 | $1K | 2.19% |
| MJ INSURANCE3 Filed as: BRENDA WALLACE AND VARIOUS AGENTS | PO BOX 1355 BAY MINETTE, AL 36507 | AFLAC | $1K | $0 | $1K | 2.16% |
| SAIC INC3 Filed as: SAIC, INC. | 1639 BRADLEY PARK DRIVE SUITE 500, BOX 358 COLUMBUS, GA 31904 | AFLAC | $1K | $0 | $1K | 2.10% |
| JOHN YARBOROUGH3 | 1113 MOUNTAIN OAKS DRIVE HOOVER, AL 35226 | AFLAC | $575 | $0 | $575 | 1.21% |
| MKF & ASSOCIATES INC3 Filed as: MKF AND ASSOCIATES, INC. | 300 CAHABA PARK CIRCLE, SUITE 133 BIRMINGHAM, AL 35242 | AFLAC | $343 | $15 | $358 | 0.75% |
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DRIVE, SUITE 210 VESTAVIA, AL 35243 | NEW BENEFITS | $9K | $0 | $9K | 22.44% |
| S S NESBITT & CO INC3 Filed as: S. S. NESBITT AND CO, INC. | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | VISION SERVICE PLAN | $1K | $0 | $1K | 10.00% |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ALABAMA | 249 | $909K |
| Dental | BLUECROSS BLUESHIELD OF ALABAMA | 249 | $909K |
| Vision(2 contracts, 2 carriers) | AFLAC | 109 | $61K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 172 | $119K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 172 | $72K |
| Prescription drug | BLUECROSS BLUESHIELD OF ALABAMA | 249 | $909K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 172 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.