| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLOYCE F. FAITH3 | 3500 COLONNADE PKWY. SUITE 150 BIRMINGHAM, AL 35243 | THE GUARDIAN LIFE INSURANCE COMPANY | $36K | — | $36K | 12.90% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE R. SANTA CRUZ | 718 DUNBAR AVENUE BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 28.72% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVENUE, SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 41.38% |
| DEALER INS. SERVICES, LLC3 | 2800 WOODWARD AVE MUSCLE SHOALS, AL 35661 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 22.91% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE R. SANTA CRUZ | 718 DUNBAR AVENUE, SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $736 | — | $736 | 18.90% |
| DEALER INSURANCE SERVICES, INC.3 Filed as: DEALER INSURANCE SERVICES LLC | 2800 WOODWARD AVENUE MUSCLE SHOALS, AL 35661 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $457 | — | $457 | 11.73% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE R. SANTA CRUZ | 718 DUNBAR AVENUE, SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $424 | — | $424 | 18.21% |
| DEALER INSURANCE SERVICES, INC.3 Filed as: DEALER INSURANCE SERVICES LLC | 2800 WOODWARD AVENUE MUSCLE SHOALS, AL 35661 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $272 | — | $272 | 11.68% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE R. SANTA CRUZ | 718 DUNBAR AVENUE SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $921 | — | $921 | 44.88% |
| DEALER INSURANCE SERVICES, INC.3 Filed as: DEALER INSURANCE SERVICES, LLC | 2800 WOODWARD AVENUE MUSCLE SHOALS, AL 35661 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $559 | — | $559 | 27.24% |
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 | 326 | 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) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 436 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 326 | $277K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 326 | $277K |
| Life insurance(6 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 326 | $337K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 326 | $277K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 326 | $277K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 436 | $1.8M |
| Other(7 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 436 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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."
No prospect flags tripped on this filing.