| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANN HARTWELL3 Filed as: ANN M HARTWELL | P O BOX 247 DAPHNE, AL 36526 | AFLAC | $12K | $347 | $12K | 3.58% |
| VICTORIA MCVAY3 Filed as: VICTORIA R MCVAY | 711 NATCHEZ TRAIL CT MOBILE, AL 36609 | AFLAC | $8K | $251 | $8K | 2.43% |
| SARAH Y ZACCARO3 | P.O BOX 91531 MOBILE, AL 36691 | AFLAC | $5K | $146 | $6K | 1.65% |
| JACOB YOUNCE3 | 106 MEADOW CIRCLE DAPHNE, AL 36572 | AFLAC | $4K | $83 | $4K | 1.11% |
| BOZEMAN ENTERPRISES INC3 Filed as: BOZEMAN ENTERPRISES INC. | 9052 BROOKSIDE LN DAPHNE, AL 36526 | AFLAC | $4K | $52 | $4K | 1.10% |
| HALEY NOBLES3 | 5655 APACHE DRIVE SATSUMA, AL 36572 | AFLAC | $3K | — | $3K | 0.81% |
| MORGAN ERDMAN3 | 392 FOXLEY ROAD ANNISTON, AL 36205 | AFLAC | $2K | $218 | $2K | 0.65% |
| JOHN JONES JR3 | 9499 THOROUGHBRED RUN FAIRHOPE, AL 36532 | AFLAC | $2K | — | $2K | 0.56% |
| MIRANDA WILDER3 Filed as: MIRANDA M WILDER | 10960A WULFF RD S SEMMES, AL 36575 | AFLAC | $2K | — | $2K | 0.50% |
| TATOM ENTERPRISES LLC3 | 200 QUAIL HOLLOW DRIVE ATOKA, GA 31904 | AFLAC | $1K | — | $1K | 0.42% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $1K | — | $1K | 0.32% |
| TINA C OGLESBY3 | 3194 GATES CIRCLE N THEODORE, AL 36582 | AFLAC | $955 | — | $955 | 0.28% |
| COASTAL WORKPLACE BENEFITS, LLC3 Filed as: COASTAL WORKPLACE BENEFITS LLC | 4332 BOULEVARD PARK S STE E MOBILE, AL 36609 | AFLAC | $940 | — | $940 | 0.28% |
| FRANK R GRIFFIN JR3 | 8601 GARRETT RD P O BOX 233 MIDLAND, GA 31820 | AFLAC | $867 | — | $867 | 0.26% |
| PETE CANARELA3 | 18972 HIGHLAND DRIVE FAIRHOPE, AL 36532 | AFLAC | $790 | — | $790 | 0.24% |
| RONALD EUGENE WALLACE3 Filed as: RONALD WALLACE | PO BOX 1355 BAY MINETTE, AL 36507 | AFLAC | $759 | — | $759 | 0.23% |
| KARA BLAKE CROPP3 | 3430 RIVER RD THEODORE, AL 36582 | AFLAC | $633 | — | $633 | 0.19% |
| HANNAH GOLDMAN3 | P O BOX 1061 CHATOM, AL 36518 | AFLAC | $577 | — | $577 | 0.17% |
| SHARON MCDILL3 | 635 COUNTY ROAD LEESBURG, AL 35983 | AFLAC | $446 | $39 | $485 | 0.14% |
| FRED CURTICE, III3 Filed as: FRED H CURTICE III | P O BOX 220 FOLEY, AL 36536 | AFLAC | $451 | — | $451 | 0.13% |
| JOHN E CARTER III3 | 902 MEADOWS CT PINE MOUNTAIN, GA 31822 | AFLAC | $414 | — | $414 | 0.12% |
| MICHAEL FOWLER3 | 335 EAST MAIN STREET TUPELO, MS 38804 | AFLAC | $330 | $51 | $381 | 0.11% |
| SHANE M OWEN3 Filed as: SHANE HOHLER | 9528 MCRAE PLACE CT MOBILE, AL 36695 | AFLAC | $289 | — | $289 | 0.09% |
| BRITTANY D MORRIS3 Filed as: BRITTANY MORRIS | 16640 CHERUBIM CT. LOXLEY, AL 36551 | AFLAC | $255 | $21 | $276 | 0.08% |
| SUPPLEMENTAL SPECIALISTS INC3 | P O BOX 1173 BLAIRSVILLE, GA 30514 | AFLAC | $272 | — | $272 | 0.08% |
| BRIAN S LOWE3 Filed as: BRIAN LOWE | 4510 LEETH GAP ROAD BOAZ, AL 35956 | AFLAC | $247 | $11 | $258 | 0.08% |
| ASHLEY CROOK3 Filed as: ASHLEY L CROOK | 3187 ESSEX PLACE DR MOBILE, AL 36695 | AFLAC | $257 | — | $257 | 0.08% |
| JENNIFER A CHAPPELL3 | 8225 BLUE RIDGE PL SEMMES, AL 36575 | AFLAC | $212 | — | $212 | 0.06% |
| RANDALL B BEDWELL3 | P O BOX 733 JACKSON, AL 36545 | AFLAC | $203 | — | $203 | 0.06% |
| JONATHON E POINTER3 | 9224 THOROUGHBRED RUN FAIRHOPE, AL 36532 | AFLAC | $172 | — | $172 | 0.05% |
| HOLLY ADAMS BUTCHER3 Filed as: HOLLY BUTCHER | 1149 CREIGHTON RD STE 1 PENSACOLA, FL 32504 | AFLAC | $156 | — | $156 | 0.05% |
| DAVID N DAVIS3 Filed as: DAVID DAVIS | 6901 D AND B LANE WING, AL 36483 | AFLAC | $155 | — | $155 | 0.05% |
| TRACY ELEY3 | 2390 INDIAN RIDGE ESTATES DR MOBILE, AL 36695 | AFLAC | $145 | — | $145 | 0.04% |
| CHARLES W VINES JR3 | 1203 CREEK BRIDGE RD PENSACOLA, FL 32514 | AFLAC | $139 | — | $139 | 0.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: DEBORAH C WILLIS | P O BOX 1173 BLAIRSVILLE, GA 30514 | AFLAC | $137 | — | $137 | 0.04% |
| SANDRA K JACKSON3 | 304 RIVERBEND DR MOBILE, AL 36605 | AFLAC | $131 | — | $131 | 0.04% |
| CHARLES HINKLE JR3 | 6416 FALCONWOOD CT MOBILE, AL 36695 | AFLAC | $127 | — | $127 | 0.04% |
| BRIAN ANDREWS3 | 5728 TAMARACK DR PACE, FL 32571 | AFLAC | $127 | — | $127 | 0.04% |
| RACHEL COLLINS3 | 4851 LESURE DRIVE THEODORE, AL 36582 | AFLAC | $50 | $71 | $121 | 0.04% |
| REBECCA ROBBINS3 | 1120 HILLCREST RD STE 2L MOBILE, AA 36695 | AFLAC | $110 | — | $110 | 0.03% |
| GEORGE FERNIANY3 | 690 JOHNSON AVE. FAIRHOPE, AL 36532 | AFLAC | $96 | — | $96 | 0.03% |
| ANNA FAGGARD3 | 762 DOWNTOWNER LOOP W STE 202 MOBILE, AL 36609 | AFLAC | $92 | — | $92 | 0.03% |
| JENNIFER MOORE ROBERTS3 Filed as: JENNIFER BETTIS | 52 BORDER CIR E MOBILE, AL 36608 | AFLAC | $87 | — | $87 | 0.03% |
| LEIGH ANNE WHITE3 Filed as: LEIGH WHITE | 2533 REDFORD DR CANTONMENT, FL 32533 | AFLAC | $78 | — | $78 | 0.02% |
| ERIC J PULLEN3 | 2337 HUFFMAN DRIVE MOBILE, AL 36693 | AFLAC | $69 | — | $69 | 0.02% |
| EILEEN MARIE STILLWELL3 Filed as: EILEEN STILLWELL | 3252 MARICOPA DR COLUMBUS, GA 31907 | AFLAC | $64 | — | $64 | 0.02% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES WARD | 106 MADISON VILLAS WAY MADISON, AL 35758 | AFLAC | $63 | — | $63 | 0.02% |
| RACHEL ROBBINS3 | 9170 AZALEA RUN CT MOBILE, AL 36695 | AFLAC | $60 | — | $60 | 0.02% |
| MARGERY DAVIS3 | 30743 PINYON DRIVE SPANISH FORT, AL 36527 | AFLAC | $28 | $32 | $60 | 0.02% |
| MICHAEL MASKILL3 | 188 RIDGEWOOD DR DAPHNE, AL 36526 | AFLAC | $59 | — | $59 | 0.02% |
| ERIN C TOMLINSON3 Filed as: ERIN TOMLINSON | 278 DRURY LANE ALBERTVILLE, AL 35950 | AFLAC | $56 | — | $56 | 0.02% |
| SHARON HACKETT3 | 600 BEL AIR BLVD STE 234 MOBILE, AL 36606 | AFLAC | $43 | $12 | $55 | 0.02% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN LEE | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $54 | — | $54 | 0.02% |
| JENNIFER WARTHEN3 | 6913 D AND B LANE WING, AL 36483 | AFLAC | $52 | — | $52 | 0.02% |
| NATALIE D RYAN3 Filed as: NATALIE RYAN | 13 WHITEHALL LNDG MYSTIC, CT 06355 | AFLAC | $51 | — | $51 | 0.02% |
| DENISE S BOYD3 | 1509 GOVERNMENT ST STE 100 MOBILE, AL 36604 | AFLAC | $50 | — | $50 | 0.01% |
| MELISSA TYLER3 | P O BOX 1723 ORANGE BEACH, AL 36561 | AFLAC | $48 | — | $48 | 0.01% |
| MELANIE H KELLEY3 Filed as: MELANIE KELLY | 8617 WALL TRIANA HWY HARVEST, AL 35749 | AFLAC | $48 | — | $48 | 0.01% |
| CAROL TATOM3 | 200 QUAIL HOLLOW DRIVE ATOKA, TN 38004 | AFLAC | $46 | — | $46 | 0.01% |
| BENJAMIN D JOHNSON3 | 9526 BEAR CREEK RD STERRETT, AL 35147 | AFLAC | $46 | — | $46 | 0.01% |
| SHONA M HICKS3 | 2308 HALEY CT OPELIKA, AL 36801 | AFLAC | $46 | — | $46 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 N LA SALLE STREET CHICAGO, IL 60601 | AFLAC | $43 | — | $43 | 0.01% |
| TRACY COCHRAN3 | 57 LEMOYNE PL MOBILE, AL 36604 | AFLAC | $42 | — | $42 | 0.01% |
| MICHAEL MASKILL3 | PO BOX 1702 POINT CLEAR, AL 36564 | AFLAC | $40 | — | $40 | 0.01% |
| ALICE E NOBLE3 | 201 BROWN RD PENSACOLA, FL 32507 | AFLAC | $40 | — | $40 | 0.01% |
| SHANNON NOEL3 | 4305 BORDEN AVE MOBILE, AL 36619 | AFLAC | $36 | — | $36 | 0.01% |
| GEORGE C WALLACE3 Filed as: GEORGE WALLACE | P O BOX 1355 BAY MINETTE, AL 36507 | AFLAC | $33 | — | $33 | 0.01% |
| JASON L WEEKS3 Filed as: JASON WEEKS | 14680 COUNTY ROAD 481 VAN ALSTYNE, TX 75495 | AFLAC | $33 | — | $33 | 0.01% |
| JUNE BOZEMAN3 | 9052 BROOKSIDE LN DAPHNE, AL 36526 | AFLAC | $27 | $5 | $32 | 0.01% |
| KATLYN SESERA3 | 9338 SANIBEL LOOP DAPHNE, AL 36526 | AFLAC | $31 | — | $31 | 0.01% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $31 | — | $31 | 0.01% |
| KELVIN MICHAEL RICE3 Filed as: KELVIN RICE | 623 WESTBROOK RD DOTHAN, AL 36303 | AFLAC | $31 | — | $31 | 0.01% |
| MONICA WEAVER3 | 17 DELISA DRIVE SARALAND, AL 36571 | AFLAC | $31 | — | $31 | 0.01% |
| ALLISON ELIZABET SMITH3 Filed as: ALLISON SMITH | 7121 OAK COVE DR BILOXI, MS 39532 | AFLAC | $30 | — | $30 | 0.01% |
| SANDI S LANZA3 | 12106 RETREAT LANE BIRMINGHAM, AL 35242 | AFLAC | $29 | — | $29 | 0.01% |
| GARY A SPANRAFT3 Filed as: GARY SPANRAFT | 218 VISTA RIDGE DRIVE DELAWARE, OH 43015 | AFLAC | $28 | — | $28 | 0.01% |
| EDDY H HUTTO3 Filed as: EDDY HUTTO | 1323 PLESANT GROVE CHAPPARAL ROAD WAYNESBORO, MS 39367 | AFLAC | $27 | — | $27 | 0.01% |
| ALAN BISHOP3 | 1952 BLAKE BOTTOM ROAD HUNTSVILLE, AL 35806 | AFLAC | $25 | — | $25 | 0.01% |
| DAVID S JESSE3 | 11962 HOMETOWN PL ORLANDO, FL 32832 | AFLAC | $24 | — | $24 | 0.01% |
| THOMAS W BABINGTON3 | 30330 ONO NORTH LOOP W ORANGE BEACH, AL 36561 | AFLAC | $23 | — | $23 | 0.01% |
| COMBINED INSURANCE SERVICES3 Filed as: COMBINED INSURANCE SERVIVES OF N FL | 1403 E BELMONT ST PENSACOLA, FL 32501 | AFLAC | $20 | — | $20 | 0.01% |
| BRIAN E HICKS3 Filed as: BRIAN HICKS | 2739 AMERICUS DRIVE THOMPSON STATION, TN 37179 | AFLAC | $19 | — | $19 | 0.01% |
| JOE A RODGERS3 Filed as: JOE RODGERS | 1601 DOVE LN CORPUS CHRISTI, TX 78418 | AFLAC | $18 | — | $18 | 0.01% |
| CHARLES D. BLOCK3 Filed as: CHARLES SUMMERS | 45 LECH WEG HELEN, GA 30545 | AFLAC | $18 | — | $18 | 0.01% |
| THE HORTON GROUP3 Filed as: CURTIS HORTON | 6808 BRIARGROVE CT MOBILE, AL 36695 | AFLAC | $15 | $3 | $18 | 0.01% |
| DEREK R MANN3 | 155 LEE ROAD 2213 SALEM, AL 36874 | AFLAC | $17 | — | $17 | 0.01% |
| JOSEPH MCBRIDE3 | 121 DALTON LANE TUSCUMBIA, AL 35674 | AFLAC | $17 | — | $17 | 0.01% |
| R AND L SUPPLEMENTASL BENEFITS INC.3 | PO BOX 896 FLORENCE, AL 35631 | AFLAC | $15 | — | $15 | 0.00% |
| ROBERT WALLACE3 | 40708 COUNTY RD 39 BAY MINETTE, AL 36507 | AFLAC | $13 | — | $13 | 0.00% |
| LOUIS CULLEN SMITH3 Filed as: LOUIS SMITH | 3504 GREENWOOD DRIVE HERMITAGE, TN 37076 | AFLAC | $12 | — | $12 | 0.00% |
| BRANDY HELMS3 | 1600 MAIN STEET GADSDEN, AL 35904 | AFLAC | $12 | — | $12 | 0.00% |
| LISA S TAYLOR3 | 12904 OAK CT WILMER, AL 36587 | AFLAC | $11 | — | $11 | 0.00% |
| SHEILA N STEWART3 | P O BOX 331 PORT SALERNO, FL 34992 | AFLAC | $11 | — | $11 | 0.00% |
| NATALIE D RYAN3 | 9 DUPONT LN NORWICH, CT 06360 | AFLAC | $10 | — | $10 | 0.00% |
| MCCALL 1 AGENCY3 | 1601 HAND AVE B BAY MINETTE, AL 36507 | AFLAC | $10 | — | $10 | 0.00% |
| JOHN DORAN SHEPPARD3 Filed as: JOHN SHEPPARD | 407 HONEYSUCKLE ROAD DOTHAN, AL 36305 | AFLAC | $9 | — | $9 | 0.00% |
| RONALD GILMORE3 | 8515 LANEWOOD CIRCLE LEEDS, AL 35094 | AFLAC | $9 | — | $9 | 0.00% |
| BARBARA POWELL3 | 1532 WALNUT AVE LAKE PLACID, FL 33852 | AFLAC | $9 | — | $9 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: VALENCIA BROWN | 2027 DR. MARTIN L KING JR AVE APT C2 MOBILE, AL 36617 | AFLAC | $8 | — | $8 | 0.00% |
| JEANNE BAGGETT3 | 836 MYSTIC PKWY SPRING BRANCH, TX 78070 | AFLAC | $8 | — | $8 | 0.00% |
| AMY WARD3 | 1207 S CEDAR AVE DEMOPOLIS, AL 36732 | AFLAC | $7 | — | $7 | 0.00% |
| MKF & ASSOCIATES INC3 Filed as: MKF & ASSOCIATES INC. | 4222 MARDEN WAY VESTAVIA, AL 35242 | AFLAC | $7 | — | $7 | 0.00% |
| TRACY S KENDRICK3 Filed as: TRACY KENDRICK | 70 GLEN CLINTON ROAD HATTIESBURG, MS 39401 | AFLAC | $7 | — | $7 | 0.00% |
| WILLIE DINISH3 | 2027 DR MARTIN L KING DRIVE APT B6 MOBILE, AL 36617 | AFLAC | $7 | — | $7 | 0.00% |
| MARK BUTLER INC3 | 747 HOLLY HILLS DRIVE BILOXI, MS 39532 | AFLAC | $7 | — | $7 | 0.00% |
| LYNNE HUDGINS MOORE3 Filed as: LYNNE MOORE | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $6 | — | $6 | 0.00% |
| TIMOTHY R MAHATHEY3 Filed as: TIMOTHY MAHATHEY | 1108 BON WALLACE DRIVE HUNTSVILLE, AL 35801 | AFLAC | $6 | — | $6 | 0.00% |
| JERIE L SMITH3 | 203 ROYAL LN FAIRHOPE, AL 36532 | AFLAC | $5 | — | $5 | 0.00% |
| JOHN W AMOS3 | 10051 VETERANS PKWY STE B-2 MIDLAND, GA 31820 | AFLAC | $5 | — | $5 | 0.00% |
| WILLIAM L AMOS III3 | 7100 STILLWATER DR COLUMBUS, GA 31904 | AFLAC | $5 | — | $5 | 0.00% |
| JOEL SANDERS3 | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $5 | — | $5 | 0.00% |
| FRANCINE A CHRISTIANSON3 Filed as: FRANCINE CHRISTIANSON | 240 VILLA ROAD BRUNSWICK, GA 31525 | AFLAC | $5 | — | $5 | 0.00% |
| KIRSTEN PHILLIPS3 | 1990 BRADBURY DR E MOBILE, AL 36695 | AFLAC | $4 | — | $4 | 0.00% |
| JUSTIN RYAN3 | 1076 EAST BRANDON BLVD. STE 112 BRANDON, FL 33511 | AFLAC | $4 | — | $4 | 0.00% |
| SETH VAN STEENBERGEN3 | 16208 MARSHFIELD DRIVE TAMPA, FL 33624 | AFLAC | $3 | — | $3 | 0.00% |
| LORRI STEMBRIDGE LLC3 | 5144 OAKTREE DRIVE MACON, GA 31210 | AFLAC | $3 | — | $3 | 0.00% |
| CHERYL L BAILEY3 | 651 HARRIETT LN ATMORE, AL 36502 | AFLAC | $2 | — | $2 | 0.00% |
| REGINALD JACKSON3 | 10009 PEYTON DR N MOBILE, AL 36695 | AFLAC | $2 | — | $2 | 0.00% |
| JL & ASSOCIATES INC3 Filed as: JL AND ASSOCIATES INC | 134 WEST SOUTH BOUNDARY STREET STE A PERRYSBURG, OH 43551 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN GRUBBS3 | 34931 US HWY 19 NORTH PALM HARBOR, FL 34684 | AFLAC | $2 | — | $2 | 0.00% |
| RACHEL ROBBINS3 | 6608 BLAKELY CT MOBILE, AL 36695 | AFLAC | $1 | — | $1 | 0.00% |
| BRADLEY BOLICK3 Filed as: BRADLEY S BOLICK | 6433 FALL BRANCH DR COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.00% |
| JASON WEST3 | 1701 BASS ROAD STE 200 MACON, GA 31210 | AFLAC | $1 | — | $1 | 0.00% |
| RICHARD BOWEN3 Filed as: RICHARD NICKELSON | 112 DURBY LANE FOLEY, AL 36535 | AFLAC | $1 | — | $1 | 0.00% |
| GENE CHRISTIANSON3 | 240 VILLA ROAD BRUNSWICK, GA 31525 | AFLAC | $1 | — | $1 | 0.00% |
| WLLIAM L AMOS AND CO. INC.3 | 7100 STILLWATER DRIVE COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.00% |
| ABLE BENEFIT SOLUTIONS3 | P.O. BOX 11407 DEPT 2142 BIRMINGHAM, AL 352462142 | USABLE LIFE | $14K | — | $14K | 13.87% |
| ASHLEY INSURANCE GROUP3 Filed as: ASHLEY THOMPSON | — | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 12.42% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | COMPANION LIFE INSURANCE COMPANY | $642 | — | $642 | 6.21% |
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 | 1,377 | 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) | 1,377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 2,336 | $1.4M |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 2,336 | $1.4M |
| Vision | BLUE CROSS BLUE SHIELD OF ALABAMA | 2,336 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 1,127 | $439K |
| Short-term disability | AFLAC | 390 | $336K |
| Long-term disability | COMPANION LIFE INSURANCE COMPANY | 33 | $10K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 2,336 | $1.4M |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 2,336 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,336 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.