| 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 | $5K | $0 | $5K | 8.05% |
| JOSEPH A AVERY3 Filed as: JOSEPH AVERY | 112 CLUB WAY ENTERPRISE, AL 363308312 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.69% |
| 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 | $900 | $900 | 1.47% |
| JOSEPH CLAY WALDEN3 Filed as: JOSEPH WALDEN | 33485 ALDER CIR SPANISH FORT, AL 365279087 | METROPOLITAN LIFE INSURANCE COMPANY | $583 | $0 | $583 | 0.95% |
| BRADFORD DILLION3 | 2 RIVERCHASE RDG STE 200 BIRMINGHAM, AL 352442892 | METROPOLITAN LIFE INSURANCE COMPANY | $533 | $0 | $533 | 0.87% |
| ALLIANCE INSURANCE GROUP LLC3 Filed as: ALLIANCE INSURANCE GROUP, LLC | PO BOX 240518 MONTGOMERY, AL 361240518 | METROPOLITAN LIFE INSURANCE COMPANY | $73 | $29 | $102 | 0.17% |
| ALLIANCE INSURANCE GROUP LLC3 Filed as: ALLIANCE INSURANCE GROUP, LLC | PO BOX 240518 MONTGOMERY, AL 361240518 | COMPBENEFITS INSURANCE CO | $3K | — | $3K | 9.07% |
| ALLIANCE INSURANCE GROUP LLC3 Filed as: ALLIANCE INSURANCE GROUP, LLC | P.O. BOX 240518 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 2.93% |
| ENTERPRISE GENERAL INSURANCE AGENCY3 | 4135 NORTH FRONT STREET HARRISBURG, PA 17112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 2.51% |
| THOMAS JASON HICKS3 | P.O. BOX 240518 MONTGOMERY, AL 361240518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 1.84% |
| MICHAEL G. HICKS3 | P.O. BOX 240518 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 1.00% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES INC. | 12495 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.50% |
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 | 411 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 655 | $1.4M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 655 | $1.4M |
| Vision | COMPBENEFITS INSURANCE CO | 363 | $33K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 618 | $61K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 618 | $61K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 618 | $61K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 655 | $1.4M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 655 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 655 | — |
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.