| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NOLEN GEORGE3 | TWO N 20TH STREET - SUITE 1500 BIRMINGHAM, AL 35203 | THE HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 14.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 10 INVERNESS CENTER PKWY BIRMINGHAM, AL 35242 | VISION SERVICE PLAN | $954 | $0 | $954 | 6.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | P O BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $121 | $2K | 16.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 63-0103830 INSURANCE | Insurance services Service code 23 | — | $96K |
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 | 189 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD | 189 | $69K |
| Vision | VISION SERVICE PLAN | 76 | $16K |
| Life insurance(2 contracts, 2 carriers) | THE HARTFORD LIFE AND ACCIDENT | 127 | $34K |
| Short-term disability(2 contracts, 2 carriers) | THE HARTFORD LIFE AND ACCIDENT | 127 | $34K |
| Long-term disability | THE HARTFORD LIFE AND ACCIDENT | 127 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.