| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR, STE 200 BIRMINGHAM, AL 35223 | PRUDETIAL INSURANCE COMPANY | $52K | — | $52K | 6.69% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT & CO INC | 3500 BLUE LAKE ROAD, SUITE 120 BIRMINGHAM, AL 35243 | PRUDETIAL INSURANCE COMPANY | $12K | — | $12K | 1.52% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT & COMPANY INC | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $19K | $4K | $23K | 13.53% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT & COMPANY INC | 3500 BLUE LAKE DRIVE, SUITE 120 VESTAVIA, AL 352431909 | VISION SERVICE PLAN | $2K | — | $2K | 4.02% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR BIRMINGHAM, AL 35253 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | — |
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 | 400 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 357 | $2.3M |
| Vision | VISION SERVICE PLAN | 252 | $42K |
| Life insurance(2 contracts, 2 carriers) | PRUDETIAL INSURANCE COMPANY | 400 | $948K |
| Short-term disability | PRUDETIAL INSURANCE COMPANY | 400 | $780K |
| Long-term disability(2 contracts, 2 carriers) | PRUDETIAL INSURANCE COMPANY | 400 | $780K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 357 | $2.3M |
| Other(2 contracts, 2 carriers) | PRUDETIAL INSURANCE COMPANY | 400 | $948K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.