| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURITY BENEFITS GROUP LLC3 | 2318 PANSY STREET SOUTHWEST HUNTSVILLE, AL 35801 | PRINCIPAL LIFE INSURANCE COMPANY | $281K | $65K | $346K | 13.39% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | SYMETRA LIFE INSURANCE COMPANY | $72K | $39K | $111K | 15.42% |
| TRINITY BENEFIT SOLUTIONS3 Filed as: TRINITY BENEFIT SOLUTIONS INC | 2318 PANSY STREET HUNTSVILLE, AL 35801 | COMPANION LIFE INSURANCE COMPA | $47K | $6K | $53K | 8.47% |
| MATTHEW LIBBY3 | 34 EAST INDUSTRIAL ROAD SUITE 5 BRANFORD, CT 06405 | KAISER FOUNDATION HEALTH PLAN INC | $23K | — | $23K | 4.12% |
| TRINITY BENEFIT SOLUTIONS3 | 2318 PANSY STREET SOUTHWEST HUNTSVILLE, AL 35801 | ARAG INSURANCE COMPANY | $9K | — | $9K | 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 | 1,541 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 65 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,609 | 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 | 293 | $2.7M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 1,541 | $2.6M |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 1,541 | $2.6M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,541 | $2.6M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,541 | $2.6M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,541 | $2.6M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 293 | $2.1M |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 394 | $723K |
| Other(4 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,541 | $5.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,541 | — |
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.