| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY | 11330 LAKEFIELD DRIVE STE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $32K | $15K | $48K | 20.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DRIVE SUITE 100 JOHNS CREEK, GA 30097 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $778 | $3K | 19.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 300 WEST 10TH STREET WEST POINT, GA 31833 | CANOPY INSURANCE CORP | $1K | — | $1K | 8.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 300 WEST 10TH STREET WEST POINT, GA 31833 | NATIONAL GUARDIAN LIFE | $662 | — | $662 | 10.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 CONTRACT ADMI NISTRATOR | Contract Administrator Service code 13 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 352980001 | $5K |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 158 | $1.7M |
| Vision(2 contracts, 2 carriers) | CANOPY INSURANCE CORP | 164 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 244 | $235K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 244 | $235K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 158 | $1.7M |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 244 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.