| 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 | 20.66% |
| USI INSURANCE SERVICES LLC3 | 1000 URBAN CENTER DRIVE SUITE 400 VESTAVIA, AL 352422532 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 5.00% |
| JOHN C KELLY3 Filed as: JOHN BURNETTE | 1000 URBAN CENTER DRIVE SUITE 400 BIRMINGHAM, AL 35242 | BLUE CROSS BLUE SHIELD OF TN, INC. | — | $5K | $5K | 8.48% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $577 | $8K | 17.57% |
| USI INSURANCE SERVICES LLC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $542 | $7K | 16.19% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $477 | $9K | 23.31% |
| SAMMY SMITH & ASSOCIATES, INC.3 | PO BOX 453 CORNITH, MS 38835 | BLUE CROSS BLUE SHIELD OF MS. INC. | $1K | — | $1K | 3.40% |
| USI INSURANCE SERVICES LLC3 | 1000 URBAN CENTER DRIVE SUITE 400 BIRMINGHAM, AL 35242 | COMPBENEFITS INSURANCE COMPANY | $3K | — | $3K | 14.48% |
| 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 | $133K |
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 | 503 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 503 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 46 | $216K |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 503 | $109K |
| Vision | COMPBENEFITS INSURANCE COMPANY | 144 | $21K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 392 | $83K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 392 | $46K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $45K |
| Stop-loss / reinsurancereinsurance(2 contracts) | HCC LIFE INSURANCE COMPANY | 231 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 503 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.