| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | — | DELTA DENTAL INSURANCE COMPANY | $10K | — | $10K | 7.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE | — | DELTA DENTAL INSURANCE COMPANY | $3K | — | $3K | 2.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 6087 HUNTSVILLE, AL 35824 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 12.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 6087 HUNTSVILLE, AL 35824 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 12.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 6087 HUNTSVILLE, AL 35824 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 12.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. | 206 EXCHANGE PLACE HUNTSVILLE, AL 35806 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 9.89% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 6087 HUNTSVILLE, AL 35813 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 6087 HUNTSVILLE, AL 35824 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $893 | — | $893 | 3.88% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $854 | $854 | 3.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INS INC | PO BOX 1490 JACKSON, MS 39215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $645 | — | $645 | 2.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 6087 HUNTSVILLE, AL 35824 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 12.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 6087 HUNTSVILLE, AL 35824 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 12.81% |
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 | 351 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 348 | $2.2M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 277 | $134K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 501 | $2.2M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 345 | $105K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 100 | $52K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 111 | $45K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 348 | $2.2M |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 345 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 501 | — |
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.