| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | GUARDIAN | $83K | — | $83K | 13.50% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1060 BROADWAY SUITE 400 ALBANY, NY 12204 | GUARDIAN | $31K | — | $31K | 5.00% |
| HKG INSURANCE SOLUTIONS LLC3 Filed as: HKG INSURANCE SOLUTIONS | — | GUARDIAN | — | $5K | $5K | 0.81% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | STANDARD INSURANCE COMPANY | $51K | — | $51K | 13.86% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NY 07119 | STANDARD INSURANCE COMPANY | $17K | — | $17K | 4.62% |
| HKG INSURANCE SOLUTIONS LLC3 | 1228 NORTH 164TH STREET OMAHA, NE 68118 | STANDARD INSURANCE COMPANY | — | $5K | $5K | 1.23% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | STANDARD INSURANCE COMPANY | $41K | — | $41K | 13.77% |
| JAMES R NELLIGAN & ASSOCS LLC3 Filed as: JAMES R NELLIGAM & ASSOC LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NY 07119 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 4.59% |
| HKG INSURANCE SOLUTIONS LLC3 | 1228 NORTH 164TH STREET OMAHA, NE 68118 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 1.14% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | STANDARD INSURANCE COMPANY | $25K | — | $25K | 13.73% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NY 07119 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 4.58% |
| HKG INSURANCE SOLUTIONS LLC3 | 1228 NORTH 164TH STREET OMAHA, NE 68118 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 1.16% |
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 | 885 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 25 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 914 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS AND BLUESHIELD OF ALABAMA | 611 | $4.8M |
| Dental | GUARDIAN | 623 | $612K |
| Vision(2 contracts, 2 carriers) | BLUECROSS AND BLUESHIELD OF ALABAMA | 623 | $5.4M |
| Life insurance | STANDARD INSURANCE COMPANY | 885 | $366K |
| Short-term disability | STANDARD INSURANCE COMPANY | 327 | $181K |
| Long-term disability | STANDARD INSURANCE COMPANY | 883 | $298K |
| Prescription drug | BLUECROSS AND BLUESHIELD OF ALABAMA | 611 | $4.8M |
| Other(3 contracts, 3 carriers) | BLUECROSS AND BLUESHIELD OF ALABAMA | 885 | $5.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 885 | — |
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.