| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1000 URBAN CENTER DRIVE VESTAVIA, AL 352422532 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 4.47% |
| JH BERRY RISK SERVICES, LLC3 | 22 IVERNESS CENTER PKWY SUITE 310 BIRMINGHAM, AL 35242 | HCC LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 | 1000 URBAN CENTER DRIVE SUITE 400 VESTAVIA, AL 352422532 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 5.03% |
| USI INSURANCE SERVICES LLC | 1000 URBAN CENTER DRIVE SUITE 625 BIRMINGHAM, AL 35242 | HCC LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 14.39% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 14.27% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 19.12% |
| USI INSURANCE SERVICES LLC3 | 1000 URBAN CENTER DRIVE BIRMINGHAM, AL 35242 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.21% |
| USI INSURANCE SERVICES LLC3 | 1000 URBAN CENTER DRIVE SUITE 400 BIRMINGHAM, AL 35242 | COMPBENEFITS INSURANCE COMPANY | $943 | — | $943 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35298 | $156K |
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)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 501 | $342K |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 503 | $46K |
| Vision | COMPBENEFITS INSURANCE COMPANY | 152 | $9K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 415 | $99K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 415 | $80K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 157 | $55K |
| Stop-loss / reinsurancereinsurance(2 contracts) | HCC LIFE INSURANCE COMPANY | 232 | $298K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.