| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $88K | — | $88K | 14.32% |
| VALENT GROUP3 Filed as: VALENT | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 12.52% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | — | LIFESECURE INSURANCE COMPANY | $2K | — | $2K | 5.46% |
| COMMUNITY INSURANCE LLC3 | — | LIFESECURE INSURANCE COMPANY | $2K | — | $2K | 4.80% |
| AMERICAN INS MKTG SVCS, INC3 Filed as: AMERICAN INS MKTG SVCS INC | — | LIFESECURE INSURANCE COMPANY | $441 | — | $441 | 1.05% |
| BROADFLOWER INSURANCE SOLUTIONS3 | — | LIFESECURE INSURANCE COMPANY | $195 | — | $195 | 0.46% |
| ACSIA PARTNERS LLC3 Filed as: ACSIA LONG TERM CARE INC | — | LIFESECURE INSURANCE COMPANY | $61 | — | $61 | 0.14% |
| SUZANNE M CALHOUN3 Filed as: SUZANNE CALHOUN | — | LIFESECURE INSURANCE COMPANY | $20 | — | $20 | 0.05% |
| ERIC BROGAN3 Filed as: ERIC MULFORD | — | LIFESECURE INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | — | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $1K | — | $1K | 5.75% |
No Schedule C service providers reported on this filing.
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 | 539 | 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) | 539 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 491 | $6.8M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 491 | $6.8M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 544 | $613K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 544 | $613K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 544 | $613K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 544 | $613K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 491 | $6.8M |
| Other(5 contracts, 5 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 544 | $7.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 544 | — |
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.
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.