| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VALENT GROUP3 | UNKNOWN BIRMINGHAM, AL 35243 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $19K | $2K | $21K | 17.36% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 2211 7TH AVENUE SOUTH BIRMINGHAM, AL 35233 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $913 | $0 | $913 | 10.02% |
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DRIVE, SUITE 120 VESTAVIA, AL 35243 | VISION SERVICE PLAN | $641 | $0 | $641 | 8.06% |
| SANDY LODEN3 | 757 MAIN STREET FULTONDALE, AL 35068 | AFLAC | $74 | $0 | $74 | 6.55% |
| SONDRA BLAYLOCK3 | 5641 OLD LEEDS ROAD BIRMINGHAM, AL 35210 | AFLAC | $41 | $0 | $41 | 3.63% |
| SAIC INC3 Filed as: SAIC, INC. | 1639 BRADLEY PARK DRIVE COLUMBUS, GA 31904 | AFLAC | $28 | $0 | $28 | 2.48% |
| JOHN B YARBOROUGH3 Filed as: JOHN B. YARBOROUGH | 1113 MOUNTAIN OAKS DRIVE HOOVER, AL 35226 | AFLAC | $20 | $0 | $20 | 1.77% |
| BRIAN E HICKS3 Filed as: BRIAN E. HICKS | 2739 AMERICUS DRIVE THOMPSONS STATION, TN 37179 | AFLAC | $1 | $0 | $1 | 0.09% |
| JOHN TODD LEE3 | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $1 | $0 | $1 | 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 | 212 | 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) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS AND BLUESHIELD OF ALABAMA | 384 | $2.0M |
| Dental | BLUECROSS AND BLUESHIELD OF ALABAMA | 384 | $2.0M |
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 159 | $17K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 212 | $123K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 212 | $123K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 212 | $123K |
| Prescription drug | BLUECROSS AND BLUESHIELD OF ALABAMA | 384 | $2.0M |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 212 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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.
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.