| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARTER HR BENEFIT SOLUTIONS, INC.3 | PO BOX 759 ALEXANDER CITY, AL 350110759 | METLIFE INSURANCE COMPANY | $21K | $0 | $21K | 9.33% |
| GROUP RISK SPECIALISTS INC3 Filed as: GROUP RISK SPECIALISTS, INC. | 3340 PEACHTREE RD NE SUITE 1690 ATLANTA, GA 303261012 | METLIFE INSURANCE COMPANY | $11K | $4K | $15K | 6.81% |
| ASHLEY WIMBERLEY SKELTON3 Filed as: ASHLEY AARON | PO BOX 640503 PIKE ROAD, AL 360640503 | METLIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.73% |
| PEOPLES SAVINGS AGENCY, INC.3 | PO BOX 866 ALEXANDER CITY, AL 350110866 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 25.00% |
| CHARTER HR BENEFIT SOLUTIONS, INC.3 | PO BOX 759 ALEXANDER CITY, AL 350110759 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 15.00% |
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 | 2,643 | 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) | 2,643 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METLIFE INSURANCE COMPANY | 649 | $221K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 243 | $55K |
| Life insurance(2 contracts, 2 carriers) | METLIFE INSURANCE COMPANY | 2,030 | $292K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,030 | — |
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.