| 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 | $50K | — | $50K | 8.10% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT & CO INC | 3500 BLUE LAKE ROAD, SUITE 120 BIRMINGHAM, AL 35243 | PRUDETIAL INSURANCE COMPANY | $45K | — | $45K | 7.21% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE STE 1100 CHICAGO, IL 606036115 | PRUDETIAL INSURANCE COMPANY | — | $110 | $110 | 0.02% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DRIVE, SUITE 120 VESTAVIA, AL 352431909 | VISION SERVICE PLAN | $2K | — | $2K | 3.96% |
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 | 417 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 417 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 378 | $2.6M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 378 | $2.6M |
| Vision | VISION SERVICE PLAN | 267 | $45K |
| Life insurance | PRUDETIAL INSURANCE COMPANY | 417 | $619K |
| Long-term disability | PRUDETIAL INSURANCE COMPANY | 417 | $619K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 378 | $2.6M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 417 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 417 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.