| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMMUNITY INSURANCE LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $52K | $8K | $60K | 16.56% |
| COMMUNITY INSURANCE LLC3 | — | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 15.00% |
| ELAINE S. PLANK3 | 5030 BRADFORD DRIVE BLDG 2, STE 205 HUNTSVILLE, AL 35805 | MONUMENTAL LIFE INSURANCE COMPANY | $802 | — | $802 | 4.44% |
| BOBBY L. MYERS3 | 5030 BRADFORD DRIVE BLDG 2, ST 205 HUNTSVILLE, AL 35805 | MONUMENTAL LIFE INSURANCE COMPANY | $401 | — | $401 | 2.22% |
| CAROL MUNSTER3 | — | LIFE SECURE INSURANCE COMPANY | $3K | — | $3K | 20.23% |
| AMERICAN INS MKTG SVCS, INC3 | — | LIFE SECURE INSURANCE COMPANY | $781 | — | $781 | 5.17% |
| SUZANNE M CALHOUN3 Filed as: SUZANNE CALHOUN | — | LIFE SECURE INSURANCE COMPANY | $234 | — | $234 | 1.55% |
| BROADTOWER INSURANCE SOLUTIONS3 | — | LIFE SECURE INSURANCE COMPANY | $171 | — | $171 | 1.13% |
| ERIC BROGAN3 Filed as: ERIC MULFORD | — | LIFE SECURE INSURANCE COMPANY | $134 | — | $134 | 0.89% |
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 | 287 | 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) | 287 | 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 | 748 | $2.9M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 748 | $2.8M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 300 | $364K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 300 | $364K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 300 | $364K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 748 | $2.8M |
| Other(4 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 748 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 748 | — |
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.