| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MY ADVISOR INC3 Filed as: MY ADVISOR | 1102 20TH ST S STE A BIRMINGHAM, AL 35205 | INTERNATIONAL BENEFITS ADMIN | $65K | — | $65K | 11.07% |
| S&S HEALTHCARE3 Filed as: S & S HEALTHCARE STRATEGIES LTD | C/O CITY NATIONAL BANK P O BOX 527765 MIAMI, FL 33152 | INTERNATIONAL BENEFITS ADMIN | $34K | — | $34K | 5.74% |
| ENROLLEASE3 Filed as: STRATEGIC UNDERWRING SOLUTIONS | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $12K | — | $12K | 2.00% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP CORY RODGERS | 18700 N HAYDEN RD SUITE 405 SCOTTSDALE, AZ 85255 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9K | — | $9K | 1.50% |
| AMWINS3 Filed as: AUSTIN SCOTT AMWINS | 4725 PIEDMONT ROW DR STE 600 CHARLOTTE, NC 28210 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 0.50% |
| WILLIAM HOWARD BORLAND3 | 1102 20TH ST S STE A BIRMINGHAM, AL 35205 | PRINCIPAL LIFE INSURANCE COMPANY | $38K | — | $38K | 11.85% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | 1612 MARION ST COLUMBIA, SC 29201 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $16K | $21K | 6.34% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 35 | $323K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 35 | $323K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 35 | $323K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 35 | $323K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 35 | $323K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | INTERNATIONAL BENEFITS ADMIN | 140 | $1.2M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 35 | $323K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.