| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 25.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHIEST YOU EIN 04-3705970 | Other services Service code 49 | 1945 LAKEPOINTE DR DALLAS, TX 75057 | $83K |
| AMERICAN BENEFIT SERVICES, INC. | Contract Administrator Service code 13 | P.O. BOX 1635 IRMO, SC 29063 | $49K |
| ALABAMA BANKING SERVICES, INC. | Other services Service code 49 | 1320 CARMICHAEL WAY MONTGOMERY, AL 36106 | $36K |
| CARR, RIGGS & INGRAM, L.L.C. EIN 72-1396621 | Accounting (including auditing) Service code 10 | 7550 HALCYON SUMMIT DRIVE SUITE 300 MONTGOMERY, AL 36117 | $18K |
| CRI ADVISORS, LLC EIN 99-4625061 | Accounting (including auditing) Service code 10 | 7550 HALCYON SUMMIT DRIVE SUITE 300 MONTGOMERY, AL 36117 | $6K |
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 | 766 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 766 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 766 | $6.9M |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 26 | $16K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 766 | $6.9M |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 766 | $6.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 766 | — |
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.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.