| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARRY BRYAN3 Filed as: BARRY GANN BRYAN | 2318 PANSY STREET SOUTHWEST HUNTSVILLE, AL 35801 | PRINCIPAL LIFE INSURANCE COMPANY | $223K | $33K | $256K | 12.53% |
| MATTHEW LIBBY3 | 34 EAST INDUSTRIAL ROAD SUITE 5 BRANFORD, CT 06405 | KAISER FOUNDATION HEALTH PLAN INC | $20K | $5K | $25K | 4.58% |
| TRINITY BENEFIT SOLUTIONS3 Filed as: TRINITY BENEFIT SOLUTIONS INC | 2318 PANSY STREET HUNTSVILLE, AL 35801 | COMPANION LIFE INSURANCE COMPA | $41K | $19K | $60K | 10.99% |
| TRINITY BENEFIT SOLUTIONS3 | 2318 PANSY STREET SOUTHWEST HUNTSVILLE, AL 35801 | ARAG INSURANCE COMPANY | $7K | — | $7K | 10.00% |
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 | 1,332 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,357 | 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 | 183 | $2.2M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,332 | $3.7M |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 1,332 | $2.0M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,332 | $2.0M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,332 | $2.0M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,332 | $2.0M |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,332 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,332 | — |
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 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.