| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 10 INVERNESS CENTER PKWY BIRMINGHAM, AL 35242 | HCC LIFE INSURANCE COMPANY | $35K | — | $35K | 10.00% |
| GEORGE G NOLEN3 Filed as: GEORGE G. NOLEN | TWO N 20TH STREET - SUITE 1500 BIRMINGHAM, AL 35203 | THE HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 13.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 10 INVERNESS CENTER PKWY BIRMINGHAM, AL 35242 | VISION SERVICE PLAN | $996 | — | $996 | 5.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | P O BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 63-0103830 INSURANCE | Insurance services Service code 23 | — | $104K |
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 | 202 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 111 | $348K |
| Dental | BLUE CROSS BLUE SHIELD | 202 | $67K |
| Vision | VISION SERVICE PLAN | 84 | $17K |
| Life insurance(2 contracts, 2 carriers) | THE HARTFORD LIFE AND ACCIDENT | 150 | $44K |
| Short-term disability(2 contracts, 2 carriers) | THE HARTFORD LIFE AND ACCIDENT | 150 | $44K |
| Long-term disability | THE HARTFORD LIFE AND ACCIDENT | 150 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.