| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARTIN GRACE BENEFIT GROUP INC3 | 1000 CHESTNUT STREET STE 250 BIRMINGHAM, AL 35216 | PAN-AMERICAN LIFE INSURANCE COMPANY | $19K | — | $19K | 13.00% |
| LAKESHORE BENEFITS3 Filed as: LAKESHORE BENEFIRT ALLIANCE LLC | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | PAN-AMERICAN LIFE INSURANCE COMPANY | $9K | — | $9K | 6.00% |
| SURETY MARKETING & CONSULTING3 Filed as: SURETY MARKETING & CONSULTING SERVI | 4246 CLUB COURSE DRIVE NORTH CHARLESTON, SC 29420 | PAN-AMERICAN LIFE INSURANCE COMPANY | $6K | — | $6K | 4.00% |
| LBA SERVICE LLC3 Filed as: LBA SERVICES LLC | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35216 | PAN-AMERICAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.00% |
| MARTIN GRACE BENEFIT GROUP INC3 | 1000 CHESTNUT STREET STE 250 VESTAVIA HILLS, AL 35216 | STARMOUNT LIFE INSURANCE COMPANY | $15K | — | $15K | 15.40% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | STARMOUNT LIFE INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| MARTIN GRACE BENEFIT GROUP INC3 | 1000 CHESTNUT STREET SUIT 250 VESTAVIA HILLS, AL 35216 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 18.00% |
| MARTIN GRACE BENEFIT GROUP INC3 | 1000 CHESTNUT STREET SUIT 250 VESTAVIA HILLS, AL 35216 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 18.00% |
| MARTIN GRACE BENEFIT GROUP INC3 | 1000 CHESTNUT ST STE 250 VESTAVIA HILLS, AL 35216 | UNUM INSURANCE COMPANY | $8K | — | $8K | 18.00% |
| MARTIN GRACE BENEFIT GROUP INC3 | 1000 CHESTNUT STREET SUIT 250 VESTAVIA HILLS, AL 35216 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 18.00% |
| THE CASON GROUP INC3 | 1612 MARION ST COLUMBIA, SC 29201 | UNUM INSURANCE COMPANY | $2K | $144 | $2K | 10.63% |
| 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 | $206 | $4K | 17.95% |
| MARTIN GRACE BENEFIT GROUP INC3 | 1000 CHESTNUT STREET STE 250 VESTAVIA HILLS, AL 35216 | UNUM INSURANCE COMPANY | $3K | — | $3K | 16.92% |
| THE CASON GROUP INC3 | 1612 MARION ST COLUMBIA, SC 29201 | UNUM INSURANCE COMPANY | $2K | $150 | $2K | 15.63% |
| MARTIN GRACE BENEFIT GROUP INC3 | 1000 CHESTNUT STREET SUIT 250 VESTAVIA HILLS, AL 35216 | UNUM INSURANCE COMPANY | $2K | — | $2K | 14.61% |
| VISUAL BENEFIT COMMUNICATIONS INC3 Filed as: VISUAL BENEFITS COMMUNICATION INC | 305 QUALITY CIRCLE STE A HUNTSVILLE, AL 35806 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $229 | — | $229 | 4.02% |
| MCKELVEY, PHILIP, NEILL3 Filed as: MCKELVEY, PHILIP N | 3931 S DIXIE DR DAYTON, OH 45439 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.46% |
| CAHILL, LINDA, A.3 | 6450 ROCKSIDE WOODS BLVD S INDEPENDENCE, OH 44131 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.35% |
| CREA, JOSEPH, R3 | 6450 ROCKSIDE WOODS BLVD S INDEPENDENCE, OH 44131 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.09% |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 247 | $1.3M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 142 | $96K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 142 | $96K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $103K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 19 | $6K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 75 | $46K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 247 | $1.3M |
| Other(9 contracts, 5 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 247 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.