| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | P. O. BOX 240518 MONTGOMERY, AL 36124 | GUARDIAN | $14K | $1K | $15K | 12.29% |
| PATRIOT GROWTH INSURANCE SERVICES | — | GUARDIAN | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF ALABA EIN 63-0103830 ADMINISTER SELF INSURED | Claims processing Service code 12 | 450 RIVERCHASE PKWY EAST BIRMINGHAM, AL 35298 | $63K |
| RX BENEFITS, INC. EIN 63-1157085 PHARMACY BENEFIT MANAGEME | Claims processing Service code 12 | 3700 COLONNADE PW STE 600 BIRMINGHAM, AL 35243 | $7K |
| ALLIANCE INSURANCE GROUP, LLC EIN 59-3766006 ADMINISTER FLEXIBLE SPEND | Plan Administrator Service code 14 | P. O. BOX 240518 MONTGOMERY, AL 361240518 | $2K |
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 | 202 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 177 | $125K |
| Vision | GUARDIAN | 177 | $125K |
| Life insurance | GUARDIAN | 177 | $125K |
| Short-term disability | GUARDIAN | 177 | $125K |
| Long-term disability | GUARDIAN | 177 | $125K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 145 | $73K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 202 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.