| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S S NESBITT & CO INC3 Filed as: S S NESBITT AND COMPANY INC | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $581 | $8K | 13.07% |
| BENJAMIN D JOHNSON3 Filed as: BENJAMIN D. JOHNSON | 9526 BEAR CREEK ROAD STERRETT, AL 35147 | AFLAC | $555 | $0 | $555 | 4.48% |
| MJ INSURANCE3 Filed as: PETE CANARELA AND VARIOUS AGENTS | 21036A STATE HIGHWAY 181 SUITE 102B FAIRHOPE, AL 36532 | AFLAC | $512 | $0 | $512 | 4.13% |
| BOZEMAN ENTERPRISES INC3 | 9052 BROOKSIDE LANE DAPHNE, AL 36526 | AFLAC | $181 | $0 | $181 | 1.46% |
| BOZEMAN ENTERPRISES INC3 | 4 YACHT CLUB DRIVE, APARTMENT 206 DAPHNE, AL 36526 | AFLAC | $90 | $0 | $90 | 0.73% |
| ANNE M. WALKER3 | 3223 WALTON DRIVE MONTGOMERY, AL 36111 | AFLAC | $88 | $0 | $88 | 0.71% |
| MFK & ASSOCIATES INC3 | 300 CAHABA PARK CIRCLE, SUITE 133 BIRMINGHAM, AL 35242 | AFLAC | $74 | $0 | $74 | 0.60% |
| STUART P WALKER3 Filed as: STUART P. WALKER | 3223 WALTON DRIVE MONTGOMERY, AL 36111 | AFLAC | $74 | $0 | $74 | 0.60% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DRIVE, SUITE 120 VESTAVIA, AL 35243 | VISION SERVICE PLAN | $670 | $0 | $670 | 7.88% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS | 5605 GLENRIDGE DRIVE, SUITE 500 ATLANTA, GA 30342 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $737 | $0 | $737 | 10.04% |
| BENJAMIN D JOHNSON3 Filed as: BENJAMIN D. JOHNSON | 9526 BEAR CREEK ROAD STERRETT, AL 35147 | AFLAC | $68 | $0 | $68 | 9.43% |
| MFK & ASSOCIATES INC3 | 300 CAHABA PARK CIRCLE, SUITE 133 BIRMINGHAM, AL 35242 | AFLAC | $11 | $0 | $11 | 1.53% |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS AND BLUESHIELD OF ALABAMA | 325 | $1.4M |
| Dental | BLUECROSS AND BLUESHIELD OF ALABAMA | 325 | $1.4M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 103 | $16K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 180 | $58K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 180 | $71K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 180 | $58K |
| Prescription drug | BLUECROSS AND BLUESHIELD OF ALABAMA | 325 | $1.4M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 180 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.