| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANCE INSURANCE GROUP LLC3 Filed as: ALLIANCE INSURANCE GROUP, LLC | P.O. BOX 240518 MONTGOMERY, AL 36124 | GULF GUARANTY LIFE | $8K | $0 | $8K | 20.00% |
| KEITH E. SMITH3 Filed as: KEITH SMITH | 4481 CUMMINGS COVE DRIVE CHATTANOOGA, TN 37419 | GULF GUARANTY LIFE | $1K | $0 | $1K | 2.50% |
| ALLIANCE INSURANCE GROUP LLC3 Filed as: ALLIANCE INSURANCE GROUP, LLC | P.O. BOX 240518 MONTGOMERY, AL 36124 | VISION SERVICE PLAN | $1K | — | $1K | 10.20% |
| EMPLOYEE NAVIGATOR, LLC0 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $61 | — | $61 | 0.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIANCE INSURANCE GROUP EIN 59-3766006 | Insurance agents and brokers; Consulting (general) Service code 16 | 6730 TAYLOR COURT MONTGOMERY, AL 36117 | $65K |
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 | 232 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 232 | 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 | 454 | $1.9M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 454 | $1.9M |
| Vision | VISION SERVICE PLAN | 128 | $13K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 454 | $1.9M |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 454 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 454 | — |
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.
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.