| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $103K | $6K | $109K | 15.06% |
| VALENT GROUP3 Filed as: VALENT | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 13.58% |
| CAROL MUNSTER3 | 28934 BUNGALOW LANE NORTHWEST MADISON, AL 35756 | LIFESECURE INSURANCE COMPANY | $2K | — | $2K | 7.06% |
| AMERICAN INS MKTG SVCS, INC3 | 6201 PRESIDENTIAL COURT FORT MYERS, FL 33919 | LIFESECURE INSURANCE COMPANY | $580 | — | $580 | 1.73% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DRIVE VESTAVIA, AL 35243 | LIFESECURE INSURANCE COMPANY | $558 | — | $558 | 1.66% |
| COMMUNITY INSURANCE LLC3 Filed as: COMMUNITY INSURANCE, LLC | 100 CHURCH STREET SUITE 600 HUNTSVILLE, AL 35801 | LIFESECURE INSURANCE COMPANY | $475 | — | $475 | 1.41% |
| BROADTOWER INSURANCE SOLUTIONS3 | 2860 MICHELLE DRIVE IRVINE, CA 92606 | LIFESECURE INSURANCE COMPANY | $232 | — | $232 | 0.69% |
| ACSIA PARTNERS LLC3 Filed as: ACSIA LONG TERM CARE INC | 6201 PRESIDENTIAL COURT FORT MYERS, FL 33919 | LIFESECURE INSURANCE COMPANY | $99 | — | $99 | 0.29% |
| SUZANNE M CALHOUN3 Filed as: SUZANNE CALHOUN | 3104 HADDONSTONE DRIVE OWENS CROSSROADS, AA 35763 | LIFESECURE INSURANCE COMPANY | $58 | — | $58 | 0.17% |
| ERIC BROGAN3 Filed as: ERIC MULFORD | 2305 ANDREW JACKSON WAY NORTHEAST HUNTSVILLE, AL 35811 | LIFESECURE INSURANCE COMPANY | $30 | — | $30 | 0.09% |
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | — | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $734 | — | $734 | 4.09% |
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 | 533 | 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) | 533 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 484 | $5.8M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 484 | $5.8M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 552 | $724K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 552 | $724K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 552 | $724K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 552 | $724K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 484 | $5.8M |
| Other(5 contracts, 5 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 552 | $6.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 552 | — |
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.