| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | PO BOX 11407 DEPT 268 BIRMINGHAM, AL 35246 | UNION SECURITY INSURANCE COMPANY | $11K | $0 | $11K | 14.03% |
| PETER C. FOY & ASSOCIATES Filed as: PETER TODD FREDELLA / REGIONS | DEPT 268 PO BOX 11407 BIRMINGHAM, AL 35246 | SOUTHLAND NATIONAL INSURANCE CORPORATION | $3K | $0 | $3K | 5.00% |
| ROBERT GOODMAN / REGIONS Filed as: ROBERT GOODMAN/REGIONS | DEPT 268 PO BOX 11407 BIRMINGHAM, AL 35246 | SOUTHLAND NATIONAL INSURANCE CORPORATION | $3K | $0 | $3K | 5.00% |
| HEALTH COST SOLUTIONS, INC.0 Filed as: HEALTH COST SOLUTIONS INC | PO BOX 1439 HENDERSONVILLE, TN 37077 | PHOENIX EXCESS RISK UNDERWRITERS/GERBER LIFE | $3K | $0 | $3K | 11.11% |
| PETER C. FOY & ASSOCIATES Filed as: PETER TODD FREDELLA / REGIONS | DEPT 268 PO BOX 11407 BIRMINGHAM, AL 35246 | SOUTHLAND NATIONAL INSURANCE CORPORATION | $853 | $0 | $853 | 5.00% |
| ROBERT GOODMAN / REGIONS | DEPT 268 PO BOX 11407 BIRMINGHAM, AL 35246 | SOUTHLAND NATIONAL INSURANCE CORPORATION | $853 | $0 | $853 | 5.00% |
| PETER C. FOY & ASSOCIATES Filed as: PETER TODD FREDELLA / REGIONS | DEPT 268 PO BOX 11407 BIRMINGHAM, AL 35246 | SOUTHLAND NATIONAL INSURANCE CORPORATION | $849 | $0 | $849 | 5.00% |
| ROBERT GOODMAN / REGIONS | DEPT 268 PO BOX 11407 BIRMINGHAM, AL 35246 | SOUTHLAND NATIONAL INSURANCE CORPORATION | $849 | $0 | $849 | 5.00% |
| PETER C. FOY & ASSOCIATES Filed as: PETER TODD FREDELLA / REGIONS | DEPT 268 PO BOX 11407 BIRMINGHAM, AL 35246 | NATIONAL GUARDIAN LIFE INSURANCE CORPORATION | $635 | $0 | $635 | 4.84% |
| ROBERT GOODMAN / REGIONS | DEPT. 268 PO BOX 11407 BIRMINGHAM, AL 35246 | NATIONAL GUARDIAN LIFE INSURANCE CORPORATION | $635 | $0 | $635 | 4.84% |
| PETER C. FOY & ASSOCIATES Filed as: PETER TODD FREDELLA / REGIONS | — | SOUTHLAND NATIONAL INSURANCE CORPORATION | $430 | $0 | $430 | 5.00% |
| ROBERT GOODMAN / REGIONS | DEPT 268 PO BOX 11407 BIRMINGHAM, AL 35246 | SOUTHLAND NATIONAL INSURANCE CORPORATION | $430 | $0 | $430 | 5.00% |
| PETER C. FOY & ASSOCIATES Filed as: PETER TODD FREDELLA / REGIONS | DEPT 268 PO BOX 11407 BIRMINGHAM, AL 35246 | SOUTHLAND NATIONAL INSURANCE CORPORATION | $80 | $0 | $80 | 4.98% |
| ROBERT GOODMAN / REGIONS | DEPT 268 PO BOX 11407 BIRMINGHAM, AL 35246 | SOUTHLAND NATIONAL INSURANCE CORPORATION | $80 | $0 | $80 | 4.98% |
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 | 178 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 178 | $703K |
| Dental(5 contracts) | SOUTHLAND NATIONAL INSURANCE CORPORATION | 69 | $102K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE CORPORATION | 113 | $13K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 85 | $79K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 85 | $79K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 85 | $79K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 178 | $703K |
| Stop-loss / reinsurancereinsurance | PHOENIX EXCESS RISK UNDERWRITERS/GERBER LIFE | 182 | $24K |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 178 | $703K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.