| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOBBY JOE BRANCH3 | 808 JAPONICA CIRCLE MOBILE, AL 36693 | UNION SECURITY INSURANCE COMPANY | $13K | — | $13K | 8.47% |
| RISK & ASSET MGMT, INC.3 Filed as: RISK AND ASSET MANAGEMENT | 3102 RIVIERE DU CHIEN LOOP E MOBILE, AL 36693 | UNION SECURITY INSURANCE COMPANY | $13K | — | $13K | 8.47% |
| BR WILSON INS INC3 | 321 WEST CLAY ST SYLACAUGA, AL 35150 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.69% |
| THE EVERETT GROUP LLC3 | 4251 GOVERNMENT BLVD MOBILE, AL 36693 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.12% |
| JANE A. WHITE3 Filed as: JANE A WHITE | 106 7TH ST N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.02% |
| PARMER AGENCY LLC3 | 839 AIRPORT DR SUITE 105 ALEXANDER CITY, AL 35010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $362 | — | $362 | 0.84% |
| MARTIN E DORSETT3 | 4251 GOVERNMENT BLVD MOBILE, AL 36693 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $238 | — | $238 | 0.55% |
| WILLIAM HAROLD OWENS3 Filed as: WILLIAM H OWENS | PO BOX 997 CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $147 | — | $147 | 0.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | PO BOX 730416 DALLAS, TX 75373 | VISION SERVICE PLAN | $82 | — | $82 | 0.76% |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 190 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 75 | $11K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 187 | $151K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 187 | $151K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 187 | $151K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 187 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.