| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 10 INVERNESS CENTER PARKWAY STE 400 BIRMINGHAM, AL 35061 | GUARDIAN LIFE INSURANCE COMPANY | $10K | $6K | $16K | 15.46% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES MACE BENEFITS GROUP, INC | 5775 A GLENRIDGE DR STE 175 ATLANTA, GA 30328 | GUARDIAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | METROPOLITAN LIFE INSURANCE COMPANY13 | $8K | $663 | $8K | 14.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BC BS ALABAMA EIN 63-0103830 ADMIN | Claims processing Service code 12 | — | $130K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $28K |
| MARSH & MCLENNAN AGENCY, LLC EIN 26-3237576 BROKER | Insurance agents and brokers Service code 22 | — | $24K |
| J. SMITH LANIER & CO. BROKER | Insurance agents and brokers Service code 22 | 10 INVERNESS CENTER PKWY SUITE 400 BIRMINGHAM, AL 35242 | $20K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $9K |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 158 | $103K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 158 | $103K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY13 | 237 | $56K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY13 | 237 | $56K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY13 | 237 | $56K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 169 | $403K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY13 | 237 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.