| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HJ KNIGHT INTERNATIONAL4 Filed as: H J KNIGHT INTL INS. AGENCY INC | 30 BRAINTREE HILL OFFICE PARK BRAINTREE, MA 02184 | HCC LIFE INSURANCE COMPANY | $24K | — | $24K | 11.70% |
| NELSEN INSURANCE CONSULTING INC3 | 1143 SHIPWATCH DR TAMPA, FL 33602 | HCC LIFE INSURANCE COMPANY | $1K | — | $1K | 0.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 NONE | Claims processing Service code 12 | 450RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35298 | $189K |
| GULF STATES CONSULTANTS & ADM INC EIN 63-0733807 NONE | Contract Administrator Service code 13 | 1717 OLD SHELL ROAD MOBILE, AL 36604 | $71K |
| KALIFEH, BEDSOLE ADAMS, P.C. EIN 63-1134001 NONE | Accounting (including auditing) Service code 10 | 3224 EXECUTIVE PARK CIRCLE MOBILE, AL 36606 | $7K |
| UNITED ACTUARIAL SERVICES INC EIN 35-2156428 NONE | Actuarial Service code 11 | 11590 NORTH MERIDIAN STREET CARMEL, IN 46032 | $6K |
| LEDBETTER, PARIS, SOLLARS LLC EIN 03-0599899 NONE | Legal Service code 29 | 9240 MARKETPLACE DRIVE MIAMISBURG, OH 45342 | $5K |
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 | 280 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 283 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.