| 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 | $5K | $13K | 16.37% |
| 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 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE CO | $2K | — | $2K | 7.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 10 INVERNESS STR PKWY STE 400 BIRMINGHAM, AL 35242 | LINCOLN NATIONAL LIFE INSURANCE CO | $2K | — | $2K | 7.14% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE CO | $689 | — | $689 | 7.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 10 INVERNESS STR PKWY STE 400 BIRMINGHAM, AL 35242 | LINCOLN NATIONAL LIFE INSURANCE CO | $665 | — | $665 | 7.37% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 126 | $1.0M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 135 | $79K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 135 | $79K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE CO | 174 | $9K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 126 | $1.0M |
| Other(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 176 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.