| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COASTAL WORKPLACE BENEFITS, LLC3 Filed as: COASTAL WORKPLACE BENEFITS LLC | — | UNITED CONCORDIA INSURANCE COMPANY | $2K | — | $2K | 4.43% |
| STEPHANIE SHEPPA3 Filed as: STEPHANIE HARPER CHAFFE | — | UNITED CONCORDIA INSURANCE COMPANY | $2K | — | $2K | 3.22% |
| ROGERS BENEFIT GROUP INC3 Filed as: JOHN A ROGERS | — | UNITED CONCORDIA INSURANCE COMPANY | $261 | — | $261 | 0.55% |
| S S NESBITT & CO INC3 Filed as: S.S. NESBITT & CO. | — | UNITED CONCORDIA INSURANCE COMPANY | $261 | — | $261 | 0.55% |
| ROGERS BENEFIT GROUP INC3 Filed as: JOHN A ROGERS IV | PO BOX 81543 MOBILE, AL 36689 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 8.02% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 83 | $538K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 93 | $47K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 119 | $45K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 119 | $45K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 119 | $45K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 83 | $538K |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 119 | $583K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.