| 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 | — | $11K | 13.95% |
| PETER C. FOY & ASSOCIATES Filed as: PETER TODD FREDELLA / REGIONS | DEPT 268 PO BOX 11407 BIRMINGHAM, AL 35246 | SOUTHLAND NATIONAL INSURANCE CORPORATION | $2K | — | $2K | 5.00% |
| ROBERT GOODMAN / REGIONS | DEPT 268 PO BOX 11407 BIRMINGHAM, AL 35246 | SOUTHLAND NATIONAL INSURANCE CORPORATION | $2K | — | $2K | 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 | $1K | — | $1K | 5.00% |
| ROBERT GOODMAN / REGIONS | DEPT 268 PO BOX 11407 BIRMINGHAM, AL 35246 | SOUTHLAND NATIONAL INSURANCE CORPORATION | $1K | — | $1K | 5.00% |
| ROBERT GOODMAN / REGIONS Filed as: ROBERT TODD FREDELLA / REGIONS | DEPT 268 PO BOX 11407 BIRMINGHAM, AL 35246 | SOUTHLAND NATIONAL INSURANCE CORPORATION | $887 | — | $887 | 5.00% |
| ROBERT GOODMAN / REGIONS | DEPT 268 PO BOX 11407 BIRMINGHAM, AL 35246 | SOUTHLAND NATIONAL INSURANCE CORPORATION | $887 | — | $887 | 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 | $762 | — | $762 | 4.85% |
| ROBERT GOODMAN / REGIONS | DEPT 268 PO BOX 11407 BIRMINGHAM, AL 35246 | NATIONAL GUARDIAN LIFE INSURANCE CORPORATION | $762 | — | $762 | 4.85% |
| PETER C. FOY & ASSOCIATES Filed as: PETER TODD FREDELLA / REGIONS | DEPT 268 PO BOX 11407 BIRMINGHAM, AL 35246 | SOUTHLAND NATIONAL INSURANCE CORPORATION | $781 | — | $781 | 5.00% |
| ROBERT GOODMAN / REGIONS | DEPT 268 PO BOX 11407 BIRMINGHAM, AL 35246 | SOUTHLAND NATIONAL INSURANCE CORPORATION | $781 | — | $781 | 5.00% |
| PETER C. FOY & ASSOCIATES Filed as: PETER TODD FREDELLA / REGIONS | DEPT 268 PO BOX 11407 BIRMINGHAM, AL 35246 | SOUTHLAND NATIONAL INSURANCE CORPORATION | $11 | — | $11 | 5.14% |
| ROBERT GOODMAN / REGIONS | DEPT 268 PO BOX 11407 BIRMINGHAM, AL 35246 | SOUTHLAND NATIONAL INSURANCE CORPORATION | $11 | — | $11 | 5.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF AL EIN 63-0103830 ADMIN SERVICES ONLY (ASO) | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator Service code 12 | 450 RIVERCHASE PARKWAY EAST PO BOX 995 BIRMINGHAM, AL 35298 | $14K |
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 | 186 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(5 contracts) | SOUTHLAND NATIONAL INSURANCE CORPORATION | 65 | $106K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE CORPORATION | 124 | $16K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 71 | $77K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 71 | $77K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 71 | $77K |
| Stop-loss / reinsurancereinsurance | PHOENIX EXCESS RISK UNDERWRITERS/GERBER LIFE | 0 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.