| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 1945 SCOTTSVILLE ROAD, SUITE 100 BOWLING GREEN, KY 42104 | SYMETRA LIFE INSURANCE COMPANY | $106K | $0 | $106K | 7.69% |
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PKWY #300 LOUISVILLE, KY 40222 | SYMETRA LIFE INSURANCE COMPANY | $96K | $5K | $101K | 7.30% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | SYMETRA LIFE INSURANCE COMPANY | $67K | $0 | $67K | 4.88% |
| NATIONAL ENROLLMENT PARTNERS GENERA3 Filed as: NATIONAL ENROLLMENT PARTNERS G | 2000 CHAPEL VIEW BOULEVARD SUITE 240 CRANSTON, RI 02920 | SYMETRA LIFE INSURANCE COMPANY | — | $29K | $29K | 2.09% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | SYMETRA LIFE INSURANCE COMPANY | $0 | $18K | $18K | 1.29% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $80K | $34K | $114K | 14.19% |
| GRAY, ELLISON, JONES3 Filed as: GRAY ELLISON JONES | 1747 REESE STREET, SUITE 215 BIRMINGHAM, AL 35209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7 | $0 | $7 | 3.59% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH THOMAS CHRISTOPHER | 798 BERRY ROAD NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3 | $0 | $3 | 1.54% |
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 | 1,527 | 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) | 1,527 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 2,855 | $16.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,607 | $802K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,607 | $802K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,527 | $1.4M |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,527 | $1.4M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,527 | $1.4M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 2,855 | $16.7M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,527 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,855 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.