| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MURFEE MEADOWS INC3 Filed as: MURFEE MEADOWS, INC. | 120 OFFICE PARK DRIVE, SUITE 100 BIRMINGHAM, AL 35223 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 17.99% |
| WOODALL & HOGGLE INSURANCE AGENCY3 | P.O. BOX 27 GUNTERSVILLE, AL 35976 | UNITED MUTUAL OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.50% |
| MURFREE MEADOWS INC3 Filed as: MURFREE MEADOWS, INC. | 120 OFFICE PARK DRIVE, SUITE 100 MOUNTAIN BROOK, AL 352232426 | UNITED MUTUAL OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.50% |
| ABLE BENEFIT SOLUTIONS3 | P.O. BOX 11407 DEPARTMENT 2142 BIRMINGHAM, AL 35246 | USABLE LIFE | $1K | — | $1K | 7.08% |
| MATTHEW MCBRIDE3 | P.O. BOX 1004 ARAB, AL 35016 | USABLE LIFE | $523 | — | $523 | 2.54% |
| JOHN KAY3 | 2010 CLUB DRIVE, SUITE 101 GADSDEN, AL 35901 | USABLE LIFE | $302 | — | $302 | 1.46% |
| JAMES M WATKINS3 Filed as: JAMES WATKINS | C/O BCBSAL HUNTSVILLE OFFICE 495 WYNN DRIVE HUNTSVILLE, AL 35805 | USABLE LIFE | $206 | — | $206 | 1.00% |
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 | 212 | 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) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 462 | $1.7M |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 462 | $1.7M |
| Life insurance | USABLE LIFE | 202 | $21K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 153 | $68K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 153 | $68K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 462 | $1.7M |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 462 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.