| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMMUNITY INSURANCE LLC3 | SUITE 600 100 CHURCH STREET HUNTSVILLE, AL 35801 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $45K | — | $45K | 16.62% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $103 | $103 | 0.04% |
| COMMUNITY INSURANCE LLC3 | — | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 15.00% |
| COMMUNITY INSURANCE LLC3 Filed as: COMMUNITY INSURANCE, LLC | — | VISION SERVICE PLAN | $522 | — | $522 | 2.85% |
| ELAINE S. PLANK3 | 5030 BRADFORD DRIVE BLDG 2, STE 205 HUNTSVILLE, AL 35805 | MONUMENTAL LIFE INSURANCE COMPANY | $790 | — | $790 | 4.60% |
| BOBBY L. MYERS3 | 5030 BRADFORD DRIVE BLDG 2, ST 205 HUNTSVILLE, AL 35805 | MONUMENTAL LIFE INSURANCE COMPANY | $395 | — | $395 | 2.30% |
| CAROL MUNSTER3 | — | LIFE SECURE INSURANCE COMPANY | $3K | — | $3K | 22.62% |
| AMERICAN INS MKTG SVCS, INC3 | — | LIFE SECURE INSURANCE COMPANY | $813 | — | $813 | 5.67% |
| SUZANNE M CALHOUN3 Filed as: SUZANNE CALHOUN | — | LIFE SECURE INSURANCE COMPANY | $289 | — | $289 | 2.02% |
| ERIC BROGAN3 Filed as: ERIC MULFORD | — | LIFE SECURE INSURANCE COMPANY | $167 | — | $167 | 1.16% |
| BROADTOWER INSURANCE SOLUTIONS3 | — | LIFE SECURE INSURANCE COMPANY | $90 | — | $90 | 0.63% |
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 | 291 | 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) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 730 | $2.6M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 730 | $2.6M |
| Vision | VISION SERVICE PLAN | 222 | $18K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 338 | $273K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 338 | $273K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 338 | $273K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 730 | $2.6M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 730 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 730 | — |
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."
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.