| 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 | 12.16% |
| DEALER INS. SERVICES, LLC3 Filed as: DEALER INS SERVICES LLC | 1602 FLORENCE BLVD FLORENCE, AL 35630 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | — | $15K | 11.33% |
| FRANK FARNELL3 Filed as: FRANK C FARNELL | 367 BUTTERNUT DRIVE AUBURN, AL 36830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $800 | — | $800 | 0.60% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE R. SANTA CRUZ | 718 DUNBAR AVENUE BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 10.20% |
| DEALER INS. SERVICES, LLC3 Filed as: DEALER INS SERVICES LLC | 1602 FLORENCE BLVD FLORENCE, AL 35630 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.81% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVENUE, SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 17.92% |
| DEALER INS. SERVICES, LLC3 | 1602 FLORENCE BLVD FLORENCE, AL 35630 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $590 | — | $590 | 4.67% |
| 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 | $2K | — | $2K | 36.67% |
| DEALER INS. SERVICES, LLC3 Filed as: DEALER INS SERVICES, LLC | 1602 FLORENCE BLVD FLORENCE, AL 35630 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $419 | — | $419 | 9.83% |
| 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 | $717 | — | $717 | 23.41% |
| DEALER INSURANCE SERVICES, INC.3 Filed as: DEALER INSURANCE SERVICES LLC | 1602 FLORENCE BLVD FLORENCE, AL 35630 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $251 | — | $251 | 8.19% |
| 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 | $88 | — | $88 | 6.13% |
| DEALER INSURANCE SERVICES, INC.3 Filed as: DEALER INSURANCE SERVICES LLC | 1602 FLORENCE BLVD FLORENCE, AL 35630 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $55 | — | $55 | 3.83% |
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 | 248 | 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) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 473 | $2.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 406 | $295K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 406 | $295K |
| Life insurance(6 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 406 | $354K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 406 | $295K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 406 | $295K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 473 | $1.8M |
| Other(7 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 473 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 473 | — |
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.