| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANCE INSURANCE GROUP LLC Filed as: ALLIANCE INSURANCE GROUP, LLC | 6730 TAYLOR CT MONTGOMERY, AL 36117 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $228K | $0 | $228K | 16.58% |
| GIS BENEFITS INC | 422 WAUPONSEE ST MORRIS, IL 60450 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $76K | $0 | $76K | 5.53% |
| ALLIANCE INSURANCE GROUP LLC3 | PO BOX 240518 MONTGOMERY, AL 36124 | METROPOLITAN LIFE INSURANCE COMPANY | $72K | $23 | $72K | 11.87% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $10K | $36K | 5.89% |
| ALLIANCE INSURANCE GROUP LLC3 | PO BOX 240518 MONTGOMERY, AL 36124 | RXBENEFITS, INC. | — | $0 | $0 | 0.00% |
| ALLIANCE INSURANCE GROUP LLC | PO BOX 240518 MONTGOMERY, AL 36124 | NATIONWIDE LIFE INS CO | $21K | $0 | $21K | 7.83% |
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 | 391 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 208 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 498 | $609K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 498 | $609K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 498 | $609K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 498 | $609K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 498 | $609K |
| Prescription drug | RXBENEFITS, INC. | 235 | $541K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INS CO | 167 | $274K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 498 | $609K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 498 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.