No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHIEST YOU EIN 30-0947669 | Other services Service code 49 | 5350 E HIGH ST, STE 350 PHOENIX, AZ 85054 | $67K |
| AMERICAN BENEFIT SERVICES, INC. | Contract Administrator Service code 13 | P.O. BOX 1635 IRMO, SC 29063 | $24K |
| ALABAMA BANKERS ASSOCIATION PLAN SPONSOR | Other services Service code 49 | 445 DEXTER AVE MONTGOMERY, AL 36104 | $23K |
| CARR, RIGGS & INGRAM, L.L.C. EIN 72-1396621 | Accounting (including auditing) Service code 10 | 7550 HALCYON SUMMIT DRIVE SUITE 300 MONTGOMERY, AL 36117 | $19K |
| MAYNARD NEXSEN PC | Legal Service code 29 | 770 WASHINGTON AVE SUITE 421 MONTGOMERY, AL 36104 | $17K |
| JERRY POWELL | Legal Service code 29 | — | $10K |
| MARSH MCLENNAN AGENCY | Insurance agents and brokers Service code 22 | 206 EXCHANGE PL HUNTSVILLE, AL 35806 | $7K |
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 | 485 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 485 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 485 | $5.2M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 485 | $5.2M |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 485 | $5.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 485 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.