| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 303 WILLIAMS AVENUE SUITE 611 HUNTSVILLE, AL 35801 | SUN LIFE ASSURANCE COMPANY OF CANADA | $30K | — | $30K | 10.67% |
| MGIS3 | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $150 | $150 | 0.05% |
| UTIC INSURANCE COMPANY3 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35244 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 4.18% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 2100 3RD AVENUE NORTH SUITE 1100 BIRMINGHAM, AL 35203 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| MWL3 | P.O. BOX 14067 JACKSON, MS 39236 | SPECTERA | $1K | — | $1K | 17.99% |
| JAMES SHARP3 | 801 FRANKLIN STREET SOUTHEAST HUNTSVILLE, AL 35801 | SPECTERA | $864 | — | $864 | 12.01% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 2100 3RD AVENUE NORTH SUITE 1100 BIRMINGHAM, AL 35203 | TELADOC HEALTH INC. | $1K | — | $1K | 15.80% |
| REYNOLDS & COMPANY LLC3 | 4340 OVERLOOK ROAD SOUTH BIRMINGHAM, AL 35222 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $469 | — | $469 | 25.01% |
| REYNOLDS CLEMENT & COMPANY LLC3 | 1770 INDEPENDENCE COURT SUITE 120 BIRMINGHAM, AL 35216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $89 | — | $89 | 6.33% |
| KIMBERLY A MCGRAW3 | DBA BENEFIT SUPPORT GROUP 9722 FALLVIEW COURT VILLA RICA, GA 30180 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | — | $38 | 2.70% |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 338 | $91K |
| Vision(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 338 | $98K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 155 | $285K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 155 | $283K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 155 | $283K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 118 | $220K |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 155 | $293K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.