| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARTIN GRACE BENEFIT GROUP INC3 | 1000 CHESTNUT STREET SUIT 250 VESTAVIA HILLS, AL 35216 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | $2K | $19K | 15.73% |
| MARTIN GRACE BENEFIT GROUP INC3 | 1000 CHESTNUT STREET STE 250 VESTAVIA HILLS, AL 35216 | STARMOUNT LIFE INSURANCE COMPANY | $18K | — | $18K | 15.38% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | 1612 MARION ST COLUMBIA, SC 29201 | STARMOUNT LIFE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| MARTIN GRACE BENEFIT GROUP INC3 | 1000 CHESTNUT STREET SUIT 250 VESTAVIA HILLS, AL 35216 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $735 | $7K | 16.63% |
| MARTIN GRACE BENEFIT GROUP INC3 | 1000 CHESTNUT STREET SUIT 250 VESTAVIA HILLS, AL 35216 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $696 | $6K | 16.21% |
| MARTIN GRACE BENEFIT GROUP INC3 | 1000 CHESTNUT STREET SUIT 250 VESTAVIA HILLS, AL 35216 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $351 | $3K | 14.91% |
| THE CASON GROUP INC3 | 1612 MARION ST COLUMBIA, SC 29201 | UNUM INSURANCE COMPANY | $5K | $221 | $5K | 27.47% |
| MARTIN GRACE BENEFIT GROUP INC3 | 1000 CHESTNUT STREET STE 250 VESTAVIA HILLS, AL 35216 | UNUM INSURANCE COMPANY | $5K | — | $5K | 26.23% |
| THE CASON GROUP INC3 | 1612 MARION ST COLUMBIA, SC 29201 | UNUM INSURANCE COMPANY | $2K | $222 | $2K | 11.25% |
| MARTIN GRACE BENEFIT GROUP INC3 | 1000 CHESTNUT STREET STE 250 VESTAVIA HILLS, AL 35216 | UNUM INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| THE CASON GROUP INC3 | 1612 MARION ST COLUMBIA, SC 29201 | UNUM INSURANCE COMPANY | $3K | $173 | $4K | 24.38% |
| MARTIN GRACE BENEFIT GROUP INC3 | 1000 CHESTNUT STREET SUIT 250 VESTAVIA HILLS, AL 35216 | UNUM INSURANCE COMPANY | $3K | — | $3K | 23.19% |
| VISUAL BENEFIT COMMUNICATIONS INC3 Filed as: VISUAL BENEFITS COMMUNICATION INC | 305 QUALITY CIRCLE STE A HUNTSVILLE, AL 35806 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $230 | — | $230 | 3.89% |
| MCKELVEY, PHILIP, NEILL3 Filed as: MCKELVEY, PHILIP, N | 3931 S DIXIE DR DAYTON, OH 45439 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.49% |
| CAHILL, LINDA, A.3 | 6450 ROCKSIDE WOODS BLVD S INDEPENDENCE, OH 44131 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.36% |
| CREA, JOSEPH, R3 | 6450 ROCKSIDE WOODS BLVD S INDEPENDENCE, OH 44131 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.10% |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 270 | $1.6M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 171 | $115K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 171 | $115K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 432 | $120K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 225 | $49K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 90 | $37K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 270 | $1.6M |
| Other(6 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 270 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 432 | — |
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.