| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD K. HOLMES3 Filed as: RICHARD HOLMES | LAKESHORE BENEFIT ALLIANCE 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | OPTIMED | $75K | — | $75K | 7.46% |
| RICHARD K. HOLMES3 Filed as: RICHARD HOLMES | LBA SERVICE 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | OPTIMED | $33K | — | $33K | 3.34% |
| JOSH PRIESTLEY3 | THE PRIESTLEY COMPANY 3100 SUNVIEW DRIVE VESTAVIA, AL 35243 | OPTIMED | $21K | — | $21K | 2.13% |
| TINA BRADLEY3 | AGD INSURANCE LLC 2603 NEWBY ROAD SW HUNTSVILLE, AL 35805 | OPTIMED | $16K | — | $16K | 1.61% |
| BOBBY TROTT3 | HARMON DENNIS BRADSHAW, INC. 7115 HALCYON SUMMIT DRIVE MONTGOMERY, AL 36117 | OPTIMED | $16K | — | $16K | 1.59% |
| LEON MARTIN3 Filed as: LEON CHADWICK | — | OPTIMED | $15K | — | $15K | 1.52% |
| PAM HARRISON3 | INSURANCE OFFICE OF AMERICA 1855 W. STATE ROAD 434 LONGWOOD, FL 32750 | OPTIMED | $12K | — | $12K | 1.19% |
| ROBERT BARRY HAMRIC3 Filed as: ROBERT HAMRIC | RBH BENEFITS 4417 OLD LEEDS ROAD BIRMINGHAM, AL 35213 | OPTIMED | $10K | — | $10K | 1.00% |
| DAVID BARRETT3 | BARRETT INSURANCE ASSOCIATES, INC. 126 CHEEKWOOD MADISON, AL 35158 | OPTIMED | $6K | — | $6K | 0.57% |
| WILLIAM VAN HOOSER, JR.3 | STARKE LIFE AGENCY, INC. 210 COMMERCE STREET MONTGOMERY, AL 36104 | OPTIMED | $5K | — | $5K | 0.50% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER P. CEPONIS | — | OPTIMED | $5K | — | $5K | 0.47% |
| BILLY BORLAND3 | MY ADVISOR 2121 1ST AVE. N., SUITE 201 BIRMINGHAM, AL 35203 | OPTIMED | $1K | — | $1K | 0.14% |
| WILLIAM HARTSFIELD, JR.3 | COBBS, ALLEN HALL INC. 600 LUCKIE DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | OPTIMED | $1K | — | $1K | 0.13% |
| ALAN J ZUCCARI INC3 Filed as: ALAN LOTT | — | OPTIMED | $1K | — | $1K | 0.13% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM T. WOOD | — | OPTIMED | $1K | — | $1K | 0.11% |
| PHILLIP BRANDON KELLEY3 | — | OPTIMED | $447 | — | $447 | 0.04% |
| ABE SMITH, INC.3 Filed as: ABE SMITH | — | OPTIMED | $304 | — | $304 | 0.03% |
| JUSTIN CARTER3 | — | OPTIMED | $304 | — | $304 | 0.03% |
| SIMPEO AGENCY LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $16K | — | $16K | 11.80% |
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 | 2,286 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,300 | 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 | 2,103 | $8.1M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 978 | $388K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 433 | $132K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 433 | $132K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 433 | $132K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 433 | $132K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 2,103 | $7.1M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 2,103 | $7.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,103 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.