| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INC, THE BENEFIT SOURCE3 | EUGEN PORTER III P.O. BOX 241146 MONTGOMERY, AL 36124 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $25K | — | $25K | 53.71% |
| SPURGEON C SMITH3 Filed as: SPURGEON SMITH | 8924 GLEN ROSE WAY MONTGOMERY, AL 36117 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.49% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE MANAGING GENERAL AGENCY | 7050 FAIN PARK DRIVE, STE 15 MONTGOEMRY, AL 36117 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $488 | — | $488 | 1.06% |
| ALLIANCE INSURANCE GROUP LLC3 | P.O. BOX 240518 MONTGOMERY, AL 361240518 | VISION SERVICE PLAN | $1K | — | $1K | 3.32% |
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 | 327 | 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) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 327 | $2.8M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 327 | $2.8M |
| Vision | VISION SERVICE PLAN | 228 | $31K |
| Life insurance | BOSTON MUTUAL LIFE INSURANCE COMPANY | 109 | $46K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 327 | $2.8M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 327 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.