| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S S NESBITT & CO INC3 Filed as: S S NESBITT & CO., INC | 3500 BLUE LAKE ROAD SUITE 120 BIRMINGHAM, AL 35243 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $46K | — | $46K | 7.74% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE., SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $99 | $99 | 0.02% |
| S S NESBITT & CO INC3 Filed as: S S NESBITT AND CO INC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $4K | $6K | 11.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 450 RIVERCHASE PARKWAY P.O. BOX 995 BIRMINGHAM, AL 35298 | $163K |
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 | 295 | 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) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 250 | $59K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 250 | $59K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 284 | $600K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 284 | $600K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 284 | $600K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 210 | $525K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 284 | $600K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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."
No prospect flags tripped on this filing.