| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S S NESBITT & CO INC3 Filed as: S.S. NESBITT & CO. | 3500 BLUE LAKE DRIVE BIRMINGHAM, AL 35243 | UNITED CONCORDIA DENTAL CORPORATION OF ALABAMA | $12K | — | $12K | 10.75% |
| S S NESBITT & CO INC3 Filed as: S S NESBITT AND COMPANY INC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $337 | $4K | 9.30% |
| S S NESBITT & CO INC3 Filed as: S S NESBITT AND COMPANY INC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $281 | $6K | 15.75% |
| S S NESBITT & CO INC3 Filed as: S S NESBITT AND COMPANY INC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $207 | $4K | 12.98% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT AND CO INC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | VISION SERVICE PLAN | $1K | — | $1K | 5.01% |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA DENTAL CORPORATION OF ALABAMA | 143 | $113K |
| Vision | VISION SERVICE PLAN | 122 | $25K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $82K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $45K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 91 | $28K |
| Stop-loss / reinsurancereinsurance | STANDARD SECURITY LIFE | 127 | $298K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.