| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, A GALLAGHER | 1000 NORTHSIDE CROSSING MACON, GA 31210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.10% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 5110 N 40TH ST PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 5.00% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, A GALLAGHER | 1000 NORTHSIDE CROSSING MACON, AZ 31210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.01% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 5110 N 40TH ST PHOENIX, GA 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 5.00% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, A GALLAGHER | 1000 NORTHSIDE CROSSING MACON, GA 31210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $96 | — | $96 | 9.98% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 5110 N 40TH ST PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $48 | $48 | 4.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $16 | $16 | 1.66% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 121 | $1.2M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 121 | $1.2M |
| Vision | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 121 | $1.2M |
| Life insurance(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $60K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 121 | $1.2M |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 121 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.