| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 206 EXCHANGE PLACE HUNTSVILLE, AL 35806 | DELTA DENTAL INSURANCE COMPNAY | $8K | — | $8K | 8.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND COMPANY | 206 EXCHANGE PLACE HUNTSVILLE, AL 35806 | DELTA DENTAL INSURANCE COMPNAY | $2K | — | $2K | 1.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND COMPANY | PO BOX 6087 HUNTSVILLE, AL 358240087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 13.05% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT & CO INC. | 3500 BLUE LAKE DR, STE 120 BIRMINGHAM, AL 35243 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 1.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND COMPANY | PO BOX 6087 HUNTSVILLE, AL 358240087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 12.21% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT & CO INC. | 3500 BLUE LAKE DR, STE 120 BIRMINGHAM, AL 35243 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND COMPANY | PO BOX 6087 HUNTSVILLE, AL 358240087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 13.88% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT & CO INC. | 3500 BLUE LAKE DR, STE 120 BIRMINGHAM, AL 35243 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $467 | — | $467 | 1.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND COMPANY | 206 EXCHANGE PLACE HUNTSVILLE, AL 35806 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 9.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND COMPANY | PO BOX 6087 HUNTSVILLE, AL 358240087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $100 | $3K | 15.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND COMPANY | PO BOX 6087 HUNTSVILLE, AL 358240087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.79% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT & CO INC. | 3500 BLUE LAKE DR, STE 120 BIRMINGHAM, AL 35243 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $223 | $357 | $580 | 3.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND COMPANY | PO BOX 6087 HUNTSVILLE, AL 358240087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 13.83% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT & CO INC. | 3500 BLUE LAKE DR, STE 120 BIMRINGHAM, AL 35243 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $177 | $286 | $463 | 3.06% |
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 | 431 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 290 | $1.7M |
| Dental | DELTA DENTAL INSURANCE COMPNAY | 233 | $98K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 431 | $1.7M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 289 | $104K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 129 | $56K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 137 | $42K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 290 | $1.7M |
| Other(4 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 290 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 431 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.