| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 10 INVERNESS CENTER PARKWAY STE 400 BIRMINGHAM, AL 35242 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 206 EXCHANGE PLACE HUNTSVILLE, AL 35806 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 4.60% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES MACE BENEFITS GROUP INC | 5775A GLENRIDGE DRIVE STE 175 ATLANTA, GA 30328 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 85638 SAN DIEGO, CA 92186 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 16.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | PRINCIPAL LIFE INSURANCE COMPANY | — | $104 | $104 | 0.29% |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 198 | $882K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $82K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $82K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 173 | $36K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 173 | $36K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 198 | $882K |
| Other | BLUE CROSS BLUE SHIELD OF ALABAMA | 198 | $882K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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."
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.