| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMMUNITY INSURANCE LLC3 | 100 CHURCH STREET SUITE 600 HUNTSVILLE, AL 35801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $11K | $24K | 9.34% |
| KAREN L QUIGLEY3 | 716 LILLY FLAGG ROAD, SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 9.66% |
| ENHANCE MY BENEFITS.COM3 | 716 LILY FLAGS RD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $577 | — | $577 | 4.58% |
| BLAINE MARDIS3 | 2215 DANVILLE RD SW, SUITE I DECATUR, AL 35601 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $242 | — | $242 | 1.92% |
| THE MCINTRYRE AGENCY LLC3 | 2126 6TH AVE SE, SUITE 201 DECATUR, AL 35601 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $219 | — | $219 | 1.74% |
| JENNIFER B WAGMON3 | 1139 HILLANDALE DRIVE TUSCUMBIA, AL 35674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $152 | — | $152 | 1.21% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 345 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $262K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $262K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $262K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $262K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $262K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 345 | $1.4M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 345 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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.