| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J S BENEFITS INC3 | 3800 COLONNADE PKWY STE 540 BIRMINGHAM, AL 352433367 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | — | $26K | 3.08% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 600 LUCKIE DR STE 315 BIRMINGHAM, AL 352232458 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $455 | $2K | 0.19% |
| GARRISON BLAKE PATTERSON3 | P. O. BOX 530510 MOUNTAIN BRK, AL 352133929 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 0.14% |
| RICHARD M. ADAMS3 | P. O. BOX 530510 SUITE 100 BIRMINGHAM, AL 352530510 | UNITEDHEALTHCARE INSURANCE COMPANY | $24 | — | $24 | 0.00% |
| MURFEE MEADOWS INC3 Filed as: MURFEE MEADOWS, INC. | 120 OFFICE PARK DR SUITE 100 BIRMINGHAM, AL 352232426 | UNITEDHEALTHCARE INSURANCE COMPANY | $24 | — | $24 | 0.00% |
| ROBINSON ADAMS INSURANCE INC.3 | P.O. BOX 530510 BIRMINGHAM, AL 352530510 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 4.05% |
| MURFEE MEADOWS INC3 Filed as: MURFEE MEADOWS INC. | 120 OFFICE PARK DRIVE SUITE 100 BIRMINGHAM, AL 352232426 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 4.05% |
| JS BENEFITS INC3 | 3800 COLONNADE PKWY STE 5 BIRMINGHAM, AL 352432304 | HUMANA INSURANCE COMPANY | $561 | — | $561 | 1.87% |
| J S BENEFITS INC3 | 3800 COLONNADE PARKWAY SUITE 540 BIRMINGHAM, AL 35243 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $727 | — | $727 | 8.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 235 HIGHLANDIA DRIVE #100 BATON ROUGE, LA 70810 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $536 | — | $536 | 6.37% |
| J S BENEFITS INC3 | 3800 COLONNADE PARKWAY SUITE 540 BIRMINGHAM, AL 35243 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $683 | — | $683 | 8.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 235 HIGHLANDIA DRIVE BATON ROUGE, LA 70810 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $496 | — | $496 | 6.31% |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 138 | $848K |
| Dental | HUMANA INSURANCE COMPANY | 66 | $30K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 138 | $848K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 117 | $8K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 117 | $8K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 117 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.