| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1000 URBAN CENTER DRIVE SUITE 400 BIRMINGHAM, AL 35242 | HCC LIFE INSURANCE COMPANY | $37K | — | $37K | 22.64% |
| USI INSURANCE SERVICES LLC3 | 1000 URBAN CENTER DRIVE SUITE 400 BIRMINGHAM, AL 35242 | BLUE CROSS BLUE SHIELD OF TN, INC. | $6K | — | $6K | 7.85% |
| USI INSURANCE SERVICES LLC3 | 1000 URBAN CENTER DRIVE SUITE 400 BIRMINGHAM, AL 35242 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $1K | $17K | 30.20% |
| USI INSURANCE SERVICES LLC3 | 1000 URBAN CENTER DRIVE SUITE 400 BIRMINGHAM, AL 35242 | COMPBENEFITS INSURANCE COMPANY | $828 | — | $828 | 4.70% |
| USI INSURANCE SERVICES LLC3 | 1000 URBAN CENTER DRIVE SUITE 400 BIRMINGHAM, AL 35242 | UNITED OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| SAMMY SMITH & ASSOCIATES, INC.3 | PO BOX 453 CORNITH, MS 38835 | BLUE CROSS BLUE SHIELD OF MS. INC. | $2K | — | $2K | 187.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35298 | $115K |
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 | 533 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 533 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TN, INC. | 46 | $78K |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 455 | $97K |
| Vision | COMPBENEFITS INSURANCE COMPANY | 115 | $18K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 310 | $56K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 310 | $56K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 310 | $66K |
| Stop-loss / reinsurancereinsurance(2 contracts) | HCC LIFE INSURANCE COMPANY | 211 | $230K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 310 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.