| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABLE BENEFIT SOLUTIONS3 Filed as: ABLE BENEFIT SOLUTIONS, INC. | PO BOX 11407 BIRMINGHAM, AL 352460100 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $502 | $5K | 9.91% |
| JOSEPH A AVERY3 Filed as: JOSEPH AVERY | 112 CLUB WAY ENTERPRISE, AL 363308312 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.07% |
| BRADFORD DILLION3 | 2 RIVERCHASE RDG STE 200 BIRMINGHAM, AL 352442892 | METROPOLITAN LIFE INSURANCE COMPANY | $517 | $59 | $576 | 1.17% |
| JOSEPH CLAY WALDEN3 Filed as: JOSEPH WALDEN | 33485 ALDER CIR SPANISH FORT, AL 365279087 | METROPOLITAN LIFE INSURANCE COMPANY | $557 | $0 | $557 | 1.13% |
| ALLIANCE INSURANCE GROUP LLC3 Filed as: ALLIANCE INSURANCE GROUP, LLC | PO BOX 240518 MONTGOMERY, AL 361240518 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $36 | $36 | 0.07% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: METLIFE FINANCIAL/METLIFE SECURITIE | 1095 AVENUE OF THE AMERICAS NEW YORK, NY 100366797 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2 | $2 | 0.00% |
| ALLIANCE INSURANCE GROUP LLC3 Filed as: ALLIANCE INSURANCE GROUP, LLC | PO BOX 240518 MONTGOMERY, AL 361240518 | COMPBENEFITS INSURANCE CO | $3K | — | $3K | 10.06% |
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 | 313 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 456 | $1.0M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 456 | $1.0M |
| Vision | COMPBENEFITS INSURANCE CO | 247 | $26K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 458 | $49K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 458 | $49K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 458 | $49K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 456 | $1.0M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 458 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.