| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFFREY THOMAS CHRISTOPHER3 Filed as: JEFFREY T. CHRISTOPHER | 1235 BURKE COURT AUBURN, AL 36830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $86K | — | $86K | 60.21% |
| S S NESBITT & CO INC3 Filed as: S S NESBITT & CO, INC. | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $8K | $20K | 21.65% |
| S S NESBITT & CO INC3 Filed as: S S NESBITT & COMPANY, INC. | 3500 BLUE LAKE DR. #120 BRIMINGHAM, AL 35243 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $1K | $1K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF ALABA EIN 63-0103830 ADMINISTRATOR | Claims processing Service code 12 | — | $175K |
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 | 340 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 247 | $143K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 294 | $92K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 294 | $92K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 294 | $234K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 90 | $0 |
| Stop-loss / reinsurancereinsurance | LLOYDS | 0 | $287K |
| Other(2 contracts, 2 carriers) | CLEARVIEW CANCER | 294 | $638K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.