| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 114 WEST WALNUT STREET KOKOMO, IN 46901 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $35K | $5K | $40K | 15.23% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM J MCQUAID | 1050 CROWN POINTE PARKWAY SUITE 1800 ATLANTA, GA 30338 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $802 | $3K | $4K | 25.37% |
| TREVOR SPROWL3 | SUITE G3C 1657 MCFARLAND BOULEVARD NORTH TUSCALOOSA, AL 35406 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $479 | $3K | 19.98% |
| CELIA REBECA HENDERSON3 | 1657 MCFARLAND BOULEVARD NORTH TUSCALOOSA, AL 35406 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $362 | $2K | $2K | 15.62% |
| NICHOLAS SPENCER3 | SUITE G3C 1657 MCFARLAND BOULEVARD NORTH TUSCALOOSA, AL 35406 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $362 | $2K | $2K | 13.22% |
| JACKSON TYLER REYNOLDS3 | 1657 MCFARLAND BOULEVARD NORTH TUSCALOOSA, AL 35406 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $384 | $537 | $921 | 5.94% |
| RYAN EDWARD ROCHECK3 | SUITE G3C 1657 MCFARLAND BOULEVARD NORTH TUSCALOOSA, AL 35406 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $362 | $17 | $379 | 2.45% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM J MCQUAID | SUITE 1800 1050 CROWN POINTE PARKWAY ATLANTA, GA 30338 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $107 | $107 | 0.69% |
| PATRICK CORY GRIFFIN3 | SUITE G3C 1657 MCFARLAND BOULEVARD NORTH TUSCALOOSA, AL 35406 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $79 | $4 | $83 | 0.54% |
| TANNER WAYNE SMITHSON3 | 1657 MCFARLAND BOULEVARD NORTH SUITE G3C TUSCALOOSA, AL 35406 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $58 | $0 | $58 | 0.37% |
| JEFFREY BULVIN3 | 3720 DIVINCI COURT SUITE 150 PEACHTREE CORNERS, GA 30092 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $38 | $38 | 0.25% |
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 | 276 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 208 | $2.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 276 | $265K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 276 | $265K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 276 | $265K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 276 | $265K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 276 | $265K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 208 | $2.1M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 276 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.