| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANCE INSURANCE GROUP LLC3 Filed as: ALLIANCE INSURANCE GROUP | PO BOX 240518 MONTGOMERY, AL 36124 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $26K | — | $26K | 15.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MORGAN STANLEY EIN 20-8764829 NONE | Direct payment from the plan; Investment management Service code 28 | — | $151K |
| TEENA MILLER EIN 63-6065827 EMPLOYEE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Employee (plan) Service code 15 | — | $57K |
| BHA CONSULTING, LLC EIN 26-1384808 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $30K |
| INTEGRATED SOFTWARE APPLICATION EIN 65-0790515 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $11K |
| QCWDR, LLP EIN 45-1444874 NONE | Legal; Direct payment from the plan Service code 29 | — | $6K |
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 | 1,260 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 183 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,443 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,787 | $9.5M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,787 | $9.5M |
| Vision | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,787 | $9.5M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 819 | $173K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,787 | $9.5M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,787 | $9.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,787 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.