| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S S NESBITT & CO INC3 Filed as: SS NESBITT & COMPANY, INC | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | UNIMERICA INSURANCE COMPANY | $27K | — | $27K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 210 6TH AVE NORTH, 7TH FL, STE 725 BIRMINGHAM, AL 35203 | UNIMERICA INSURANCE COMPANY | $27K | — | $27K | 5.00% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT & COMPANY, INC | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $50K | $7K | $57K | 10.39% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT & COMPANY, INC | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $30K | $3K | $33K | 12.17% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT & CO, INC | 3500 BLUE LAKE DRIVE, SUITE 120 VESTAVIA, AL 352431909 | VISION SERVICE PLAN | $9K | — | $9K | 6.00% |
| S S NESBITT & CO INC3 Filed as: S.S. NESBITT & COMPANY, INC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $235 | $235 | 0.75% |
| IAO INC. DBA PROASSURANCE AGENCY3 Filed as: IAO INC, DBA PROASSURANCE AGENCY | 100 BROOKWOOD PLACE #500 BIRMINGHAM, AL 352090000 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF ALABA EIN 63-0103830 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 352980001 | $640K |
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 | 996 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 996 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 619 | $152K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 996 | $549K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 955 | $32K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 960 | $270K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 856 | $550K |
| Other(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 996 | $569K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 996 | — |
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.