| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANCE INSURANCE GROUP LLC3 | P.O. BOX 240518 MONTGOMERY, AL 361240518 | HCC LIFE INSURANCE COMPANY | $85K | — | $85K | 14.50% |
| THOMPSON INSURANCE INC.3 Filed as: THOMPSON INSURANCE INC | P.O. BOX 11408 MONTGOMERY, AL 36111 | SUN LIFE ASSURANCE COMPANY OF CANADA | $34K | — | $34K | 14.09% |
| THOMPSON INSURANCE INC.3 | 3300 GATSBY LANE MONTGOMERY, AL 36106 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $346 | — | $346 | 15.00% |
| BENEFIT SOURCE INC3 Filed as: THE BENEFIT SOURCE INC | PO BOX 241146 MONTGOMERY, AL 36124 | AFLAC | $42 | — | $42 | 3.05% |
| JOHN W AMOS3 | 10051 VETERANS PKWY STE B-2 MIDLAND, GA 31820 | AFLAC | $37 | — | $37 | 2.69% |
| EUGENE L PORTER III3 | PO BOX 241146 MONTGOMERY, AL 36124 | AFLAC | $33 | — | $33 | 2.40% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $25 | — | $25 | 1.82% |
| KEITH LIN BELICH3 | 8408 TIMBER CREEK DR PIKE ROAD, AL 36064 | AFLAC | $12 | — | $12 | 0.87% |
| ALAYNE T WILSON3 | 2260 WILLIAM RD WETUMPKA, AL 36092 | AFLAC | $1 | — | $1 | 0.07% |
| JOHN TODD LEE3 | 322 FARMHOSUE RD ELLERSLIE, GA 31807 | AFLAC | $1 | — | $1 | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 352980001 | $245K |
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 | 409 | 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) | 409 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SOUTHLAND | 6 | $54 |
| Vision(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 224 | $243K |
| Life insurance(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 224 | $252K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 224 | $249K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 224 | $243K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 283 | $590K |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 224 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.
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.