| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS & BLUE SHIELD OF ALABAMA | 450 RIVERCHASE PKWY E BIRMINGHAM, AL 352433370 | VISION SERVICE PLAN | $497 | — | $497 | 4.96% |
| LISA TERRY3 | 3011 JASMINE RD MONTGOMERY, AL 361111100 | VISION SERVICE PLAN | $205 | — | $205 | 2.04% |
| ABLE BENEFIT SOLUTIONS3 | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 352433370 | VISION SERVICE PLAN | $205 | — | $205 | 2.04% |
| TROY MAXWELL3 | 3320 SKYWAY DR STE 601 OPELIKA, AL 368017138 | VISION SERVICE PLAN | $51 | — | $51 | 0.51% |
| BRADFORD DILLION3 | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 352433370 | VISION SERVICE PLAN | $51 | — | $51 | 0.51% |
| GCG FINANCIAL LLC3 Filed as: ALTERA PAYROLL & INSURANC | 1000 NORTHSIDE CROSSING MACON, GA 31210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $910 | — | $910 | 11.00% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $413 | $413 | 4.99% |
| GCG FINANCIAL LLC3 Filed as: ALTERA PAYROLL & INSURANC | 1000 NORTHSIDE CROSSING MACON, GA 31210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $452 | — | $452 | 11.01% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $205 | $205 | 4.99% |
| GCG FINANCIAL LLC3 Filed as: ALTERA PAYROLL & INSURANC | 1000 NORTHSIDE CROSSING MACON, GA 31210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26 | — | $26 | 11.06% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $12 | $12 | 5.11% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 248 | $1.2M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 248 | $1.2M |
| Vision | VISION SERVICE PLAN | 72 | $10K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 161 | $8K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 161 | $4K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 248 | $1.2M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 248 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.