| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $69K | $14K | $84K | 10.19% |
| 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 | $0 | $6K | $6K | 1.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF AL EIN 63-0103830 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $2.3M |
| AMERICAN BEHAVIORAL BENEFITS MANAGE EIN 63-1030881 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $153K |
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 | 3,792 | 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) | 3,792 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 3,921 | $0 |
| Vision | VISION SERVICE PLAN | 3,093 | $571K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,012 | $823K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,134 | $345K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,921 | — |
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.