| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S S NESBITT & CO INC3 Filed as: SS NESBITT & CO INC. | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | $8K | $30K | 13.31% |
| S S NESBITT & CO INC3 Filed as: S.S. NESBITT & COMPANY - BIRMINGHAM | 3500 BLUE LAKE DR, STE 120 BIMRINGHAM, AL 352431909 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.89% |
| BILLY D. RAYBURN3 Filed as: BILLY D RAYBURN | 700 KINGS MOUNTAIN RD TUSCALOOSA, AL 35406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 316 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 257 | $1.7M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $226K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 316 | $14K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 254 | $240K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $226K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $226K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 257 | $1.7M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 257 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.