| 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 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $63K | $3K | $66K | 8.97% |
| S S NESBITT & CO INC3 Filed as: S.S. NESBITT & COMPANY, INC. | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $1K | $1K | 0.40% |
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DR STE 120 BIRMINGHAM, AL 352431909 | RELIASTAR LIFE INSURANCE COMPANY | $6K | $0 | $6K | 21.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF ALBAM EIN 63-0103830 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $2.0M |
| DELTA DENTAL EIN 94-2761537 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $123K |
| NEW DIRECTIONS BEHAVIORAL HEALTH EIN 43-1698690 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $61K |
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 | 3,398 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 51 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,813 | $588K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,659 | $736K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,884 | $336K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 314 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,813 | — |
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.