| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MURFEE MEADOWS INC3 Filed as: MURFEE MEADOWS, INC. | 120 OFFICE PARK DR, SUITE 100 BIRMINGHAM, AL 35223 | THE GUARDIAN LIFE INSURANCE COMPANY | $9K | — | $9K | 5.36% |
| WHITTAKER-WARREN INSURANCE, INC.3 | 103 DIXIE DRIVE ENTERPRISE, AL 36330 | THE GUARDIAN LIFE INSURANCE COMPANY | $9K | — | $9K | 5.36% |
| JOSEPH A AVERY3 | 112 CLUB WAY ENTERPRISE, AL 36330 | THE GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.39% |
| ABLE BENEFIT SOLUTIONS3 | 3800 COLONNADE PARKWAY, SUITE 240 BIRMINGHAM, AL 35243 | THE GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.86% |
| JOSEPH P CALARCO3 Filed as: JOSEPH C WALDEN | 33485 ALDER CIRCLE SPANISH FORT, AL 36527 | THE GUARDIAN LIFE INSURANCE COMPANY | $293 | — | $293 | 0.18% |
| BRADFORD DILLION3 Filed as: BRADFORD S DILLION | 10 MONTEVALLO TERRACE BIRMINGHAM, AL 35213 | THE GUARDIAN LIFE INSURANCE COMPANY | $293 | — | $293 | 0.18% |
| COVENANT ADMINISTRATORS LLC5 Filed as: COVENANT ADMINISTRATORS, LLC | 2810 PREMIERE PARKWAY, SUITE 400 DULUTH, GA 30097 | ACE AMERICAN INSURANCE COMPANY | — | $8K | $8K | 5.73% |
| SURETY MARKETING & CONSULTING0 | 246 RIVER OAK DRIVE MT PLEASANT, SC 29464 | ACE AMERICAN INSURANCE COMPANY | — | $7K | $7K | 4.78% |
| MURFEE MEADOWS INC5 Filed as: MURFEE MEADOWS | 120 OFFICE PARK DRIVE, SUITE 100 BIRMINGHAM, AL 35223 | ACE AMERICAN INSURANCE COMPANY | $6K | — | $6K | 4.39% |
| WHITTAKER-WARREN INSURANCE, INC.0 | 103 DIXIE DRIVE, SUITE 1 ENTERPRISE, AL 36330 | ACE AMERICAN INSURANCE COMPANY | $6K | — | $6K | 4.39% |
| HARMON DENNIS BRADSHAW INC5 Filed as: HARMON DENNIS BRADSHAW | P.O. BOX 241667 MONTGOMERY, AL 361241667 | ACE AMERICAN INSURANCE COMPANY | $5K | — | $5K | 3.63% |
| LBA SERVICE LLC5 Filed as: LBA SERVICE, LLC | 700 37TH STREET SOUTH BIRMINGHAM, AL 35205 | ACE AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.96% |
| DAVID MILLER3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 8.20% |
| SHERRIE YOUNG3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.97% |
| KERI ANDERSON3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.39% |
| JULIA PHILLIPS3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $138 | — | $138 | 0.27% |
| ANTHONY DANIEL3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $128 | — | $128 | 0.25% |
| STEPHANIE CREWS3 Filed as: STEPHANIE OWENS | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $121 | — | $121 | 0.23% |
| KIMBERLY VINSON3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TN 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $76 | — | $76 | 0.15% |
| BLAKE MILLER3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $46 | — | $46 | 0.09% |
| EDDIE PITTS3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $32 | — | $32 | 0.06% |
| BETH TEMPLETON3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TN 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $24 | — | $24 | 0.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RENEE BROWN | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| JOHN MILES ROWAN3 Filed as: JOHN BROOKS, JR | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DAVID MILLER3 Filed as: DAVID BASS | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DAVID MILLER3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 9.38% |
| SHERRIE YOUNG3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $732 | — | $732 | 5.71% |
| KERI ANDERSON3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $393 | — | $393 | 3.06% |
| STEPHANIE CREWS3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $47 | — | $47 | 0.37% |
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 | 200 | 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) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 303 | $1.0M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 303 | $1.0M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 200 | $160K |
| Life insurance(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 200 | $225K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 200 | $160K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 200 | $160K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 200 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.