| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANCE INSURANCE GROUP LLC3 | 6730 TAYLOR CT MONTGOMERY, AL 36117 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $328K | — | $328K | 13.73% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $109K | — | $109K | 4.58% |
| ALLIANCE INSURANCE GROUP LLC3 | PO BOX 240518 MONTGOMERY, AL 361240518 | METROPOLITAN LIFE INSURANCE COMPANY | $91K | $10K | $102K | 16.86% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $8K | $40K | 6.65% |
| ALLIANCE INSURANCE GROUP LLC | PO BOX 240518 MONTGOMERY, AL 36124 | RXBENEFITS INC | — | — | $0 | 0.00% |
| ALLIANCE INSURANCE GROUP LLC3 | PO BOX 240518 MONTGOMERY, AL 361240518 | NATIONWIDE LIFE INS CO | $40K | $0 | $40K | 17.64% |
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 | 346 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 120 | $2.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 457 | $602K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 457 | $602K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 457 | $602K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 457 | $602K |
| Prescription drug | RXBENEFITS INC | 179 | $567K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INS CO | 167 | $225K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 457 | $602K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 457 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.