| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIKE HICKS C/O ALLIANCE INS. GROUP3 | P.O. BOX 240518 MONTGOMERY, AL 36124 | GULF GUARANTY LIFE | $114K | — | $114K | 21.36% |
| PATRIOT GROWTH INSURANCE SERVICES Filed as: PATRIOT GROWTH INS SVCS DBA FBC INS | PO BOX 240518 MONTGOMERY, AL 361240518 | VISION SERVICE PLAN | $1K | — | $1K | 5.00% |
| EMPLOYEE NAVIGATOR, LLC | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $101 | — | $101 | 0.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIANCE INSURANCE GROUP | Insurance agents and brokers; Consulting (general) Service code 16 | 6730 TAYLOR COURT MONTGOMERY, AL 36117 | $70K |
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 | 393 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 393 | 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 | 393 | $3.2M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 393 | $2.6M |
| Vision | VISION SERVICE PLAN | 164 | $20K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 393 | $2.6M |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 393 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.