| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANCE INSURANCE GROUP LLC3 | PO BOX 240518 MONTGOMERY, AL 361240518 | HCC LIFE INSURANCE COMPANY | $18K | — | $18K | 13.00% |
| BENEFIT SOURCE INC3 Filed as: THE BENEFIT SOURCE | 7075 HALCYAN PARK DR. #201 MONTGOMERY, AL 36117 | GUARDIAN | $4K | — | $4K | 10.13% |
| THOMPSON INSURANCE INC.3 Filed as: THOMPSON INSURANCE, INC. | 3300 GATSBY LANE MONTGOMERY, AL 36106 | GUARDIAN | $1K | — | $1K | 3.37% |
| THOMPSON INSURANCE INC.3 | 3380 GATSBY LANE MONTGOMERY, AL 36106 | UNION SECURITY INSURANCE COMPANY | $10K | — | $10K | 25.76% |
| DANIEL H. RHYNE III3 Filed as: DANIEL H RHYNE,III | 3300 GATSBY LANE MONTGOMERY, AL 36111 | UNION SECURITY INSURANCE COMPANY | — | $2K | $2K | 6.30% |
| THOMPSON INSURANCE INC.0 Filed as: THOMPSON INSURANCE, INC. | 3300 GATSBY LANE MONTGOMERY, AL 36111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| THOMPSON INSURANCE INC.3 | 3300 GATSBY LANE MONTGOMERY, AL 36111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 352980001 | $148K |
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 | 225 | 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) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | GUARDIAN | 222 | $100K |
| Short-term disability | GUARDIAN | 148 | $40K |
| Long-term disability(3 contracts, 3 carriers) | GUARDIAN | 222 | $97K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 190 | $141K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 222 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.