| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | HARTFORD LIFE AND ACCIDENT | $15K | $0 | $15K | 11.08% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS | 2000 CHAPEL VIEW BOULEVARD SUITE 240 CRANSTON, RI 02920 | HARTFORD LIFE AND ACCIDENT | $0 | $7K | $7K | 5.01% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | HARTFORD LIFE AND ACCIDENT | $5K | $0 | $5K | 3.94% |
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 7.37% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 2211 7TH AVENUE SOUTH BIRMINGHAM, AL 35233 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $407 | — | $407 | 2.63% |
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DRIVE, SUITE 120 VESTAVIA, AL 35243 | VISION SERVICE PLAN | $586 | — | $586 | 6.92% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | VISION SERVICE PLAN | $115 | — | $115 | 1.36% |
| SANDY LODEN3 | 757 MAIN STREET FULTONDALE, AL 35068 | AFLAC | $63 | $0 | $63 | 6.60% |
| SONDRA BLAYLOCK3 | 5641 OLD LEEDS ROAD BIRMINGHAM, AL 35210 | AFLAC | $34 | $0 | $34 | 3.56% |
| SAIC INC3 Filed as: SAIC, INC. | 1639 BRADLEY PARK DRIVE COLUMBUS, GA 31904 | AFLAC | $24 | $0 | $24 | 2.51% |
| JOHN YARBOROUGH3 | 1113 MOUNTAIN OAKS DRIVE HOOVER, AL 35226 | AFLAC | $17 | $0 | $17 | 1.78% |
| BRIAN HICKS3 | 2739 AMERICUS DRIVE THOMPSONS STATION, TN 37179 | AFLAC | $1 | $0 | $1 | 0.10% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN LEE | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $1 | $0 | $1 | 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 | 243 | 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) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS AND BLUESHIELD OF ALABAMA | 426 | $2.7M |
| Dental | BLUECROSS AND BLUESHIELD OF ALABAMA | 426 | $2.7M |
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 199 | $24K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 243 | $132K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 243 | $132K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 243 | $132K |
| Prescription drug | BLUECROSS AND BLUESHIELD OF ALABAMA | 426 | $2.7M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 243 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 426 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.