| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM E MOORE & ASSOCIATES3 Filed as: WILLIAM E MOORE AND ASSOCIATES | 3238 MARINER CIR ORANGE BEACH, AL 36561 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $23K | $137 | $23K | 16.71% |
| JOHN M CRUICKSHANK3 | 396 BROOKHAVEN LN SUNRISE BEACH, MO 65079 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $10K | $61 | $10K | 6.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NANCY PARRISH EIN 63-6065827 EMPLOYEE | Accounting (including auditing) Service code 10 | PO BOX 2678 MUSCLE SHOALS, AL 35662 | $56K |
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 | 1,372 | 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) | 1,372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 1,372 | $4.6M |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 1,372 | $4.6M |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 759 | $141K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 1,372 | $4.6M |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 1,372 | $4.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,372 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.