| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURITY BENEFITS GROUP LLC3 Filed as: INSURITY BENEFITS GROUP | 2318 PANSY STREET SOUTHWEST HUNTSVILLE, AL 35801 | PRINCIPAL LIFE INSURANCE COMPANY | $341K | $80K | $421K | 13.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | SYMETRA LIFE INSURANCE COMPANY | $51K | $7K | $58K | 9.50% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCE | 4851 LBJ FREEWAY SUITE 100 DALLAS, TX 75244 | SYMETRA LIFE INSURANCE COMPANY | $39K | — | $39K | 6.35% |
| BARRY BRYAN3 Filed as: BARRY G BRYAN JR | 2318 PANSY STREET HUNTSVILLE, AL 35801 | SYMETRA LIFE INSURANCE COMPANY | $10K | — | $10K | 1.64% |
| TRINITY BENEFIT SOLUTIONS3 Filed as: TRINITY BENEFIT SOLUTIONS INC. | 2318 PANSY STREET HUNTSVILLE, AL 35801 | ZURICH AMERICAN INSURANCE COMPANY | $44K | — | $44K | 7.50% |
| BARRY BRYAN3 Filed as: BARRY BRYAN JR | 2318 PANSY STREET SOUTHWEST HUNTSVILLE, AL 35801 | ZURICH AMERICAN INSURANCE COMPANY | $44K | — | $44K | 7.50% |
| CHAMCO LLC3 | 8 NIGHTWIND COURT XCOLUMBUS, GA 31909 | ZURICH AMERICAN INSURANCE COMPANY | $29K | — | $29K | 5.00% |
| CHARLES H AVERY JR.3 Filed as: CHARLES H AVERY JR | 102 SOUTH KNIGHTS CROSSING DRIVE THE WOODLANDS, TX 77382 | ZURICH AMERICAN INSURANCE COMPANY | $6K | — | $6K | 1.00% |
| RICK R. CLARY3 Filed as: RICK R CLARY | 4519 SOUTH OCEAN BOULVARD HIGHLAND BEACH, FL 33487 | ZURICH AMERICAN INSURANCE COMPANY | $6K | — | $6K | 1.00% |
| MATTHEW LIBBY3 | 34 EAST INDUSTRIAL ROAD SUITE 5 BRANFORD, CT 06405 | KAISER FOUNDATION HEALTH PLAN, INC. | $14K | — | $14K | 3.68% |
| TRINITY BENEFIT SOLUTIONS3 | 2318 PANSY STREET SOUTHWEST HUNTSVILLE, AL 35801 | ARAG INSURANCE COMPANY | $11K | — | $11K | 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 | 1,512 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 65 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,581 | 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 | 305 | $30.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 1,456 | $3.0M |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 1,456 | $3.0M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,456 | $3.0M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,456 | $3.0M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,456 | $3.0M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 305 | $29.9M |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 356 | $611K |
| Other(4 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,456 | $33.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,456 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.