| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 611 POINT NORTH BOULEVARD ALBANY, GA 31721 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $43K | $6K | $49K | 10.49% |
| ENHANCE MY BENEFITS.COM3 | 716 LILY FLAGS RD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PARKWAY NW, STE 800 ATLANTA, GA 30327 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 4.32% |
| MATTHEW 5 16 LLC3 | 716 LILLY FLAGG ROAD, SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $928 | — | $928 | 3.92% |
| JENNIFER B WAGMON3 | 1139 HILLANDALE DRIVE TUSCUMBIA, AL 35674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $427 | — | $427 | 1.81% |
| POWE SHAYLA MCGINNIS3 | 228 PEBBLE BROOK DRIVE MADISON, AL 35758 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $253 | — | $253 | 1.07% |
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 | 229 | 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) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 229 | $2.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 266 | $469K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 266 | $469K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 266 | $469K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 266 | $469K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 266 | $469K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 229 | $2.4M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 266 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.