| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3209 S CHEROKEE LANE STE 510 WOODSTOCK, GA 30188 | AMERICAN FAMILY LIFE ASSURANCE | $14K | — | $14K | 68.94% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN 16TH FLOOR DALLAS, TX 75231 | AMERICAN FAMILY LIFE ASSURANCE | $3K | — | $3K | 15.58% |
| LAKISHA RICKS3 | 900 TENNESSEE RIVER DR MUSCLE SHOALS, AL 35661 | AMERICAN FAMILY LIFE ASSURANCE | $27 | — | $27 | 0.13% |
| AMBER PHILLIPS3 | 204 CALDWELL DR FLORENCE, AL 35633 | AMERICAN FAMILY LIFE ASSURANCE | $22 | — | $22 | 0.11% |
| JAMES ZOMBRO3 | 625 COUNTY ROAD 106 FLORENCE, AL 35633 | AMERICAN FAMILY LIFE ASSURANCE | $5 | — | $5 | 0.02% |
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 | 298 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMERICAN FAMILY LIFE ASSURANCE | 161 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.