| 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 | $61K | — | $61K | 18.91% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE., SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $104 | $104 | 0.03% |
| 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 | $716 | $3K | $4K | 6.75% |
| 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 | $173K |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 272 | $61K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 272 | $61K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 308 | $325K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 308 | $325K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 308 | $325K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 209 | $540K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 308 | $325K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.