| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY LLC | 6 CONCOURSE PARKWAY NE STE 2750 ATLANTA, GA 303286243 | METROPOLITAN LIFE INSURANCE COMPANY | $190K | — | $190K | 5.31% |
| IMA, INC.3 Filed as: IMA INC | P.O. BOX 2992 WICHITA, KS 672012992 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $99 | $32K | 0.89% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY LLC | 6 CONCOURSE PKWY NE STE 2750 ATLANTA, GA 30328 | DELTA DENTAL INSURANCE COMPANY | $44K | — | $44K | 3.00% |
| OPTAVISE, LLC3 Filed as: OPTAVISE LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 352331819 | METROPOLITAN LIFE INSURANCE COMPANY | $61K | — | $61K | 16.67% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY LLC | 6 CONCOURSE PARKWAY, SUITE 2750 ATLANTA, GA 303286243 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | — | $19K | 5.23% |
| IMA, INC.3 Filed as: IMA INC | 6 CONCOURSE PARKWAY, SUITE 2750 ATLANTA, GA 303286243 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $6 | $1K | 0.32% |
| OPTAVISE, LLC0 Filed as: OPTAVISE LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 352331819 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | — | $31K | 16.32% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY LLC | 6 CONCOURSE PKWY NE STE 2750 ATLANTA, GA 303286243 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 5.13% |
| IMA, INC.3 Filed as: IMA INC | 6 CONCOURSE PARKWAY, SUITE 2750 ATLANTA, GA 303286243 | METROPOLITAN LIFE INSURANCE COMPANY | $588 | $3 | $591 | 0.31% |
| ZURICH AMERICAN INSURANCE COMPANY G3 | 1299 ZURICH WAY SCHAUMBURG, IL 601961056 | ZURICH AMERICAN INSURANCE COMPANY | $231 | — | $231 | 2.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BEHAVIORAL HEALTH SYSTEMS EIN 63-1007625 MENTAL HEALTH PROVIDER | Claims processing Service code 12 | TWO METROPLEX DRIVE BIRMINGHAM, AL 35209 | $772K |
| BCBS OF ALABAMA EIN 63-0103830 MEDICAL / PBM ASO | Claims processing Service code 12 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35298 | $419K |
| PROACT PBM ASO | Claims processing Service code 12 | 633 ROUTE 298, SUITE 210 EAST SYRACUSE, NY 13057 | $150K |
| METTROPOLITAN LIFE INSURANCE COMPAN EIN 13-5581829 NONE | Contract Administrator; Claims processing Service code 12 | — | $90K |
| WILLIS TOWERS WATSON EIN 26-0775680 HRA SERVICING | Insurance services Service code 23 | — | $37K |
| FLORES EIN 56-1542307 FLEXIBLE SPENDING TPA | Insurance services Service code 23 | — | $33K |
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 | 2,542 | 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) | 2,542 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,555 | $556K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 5,094 | $1.5M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 5,821 | $3.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 5,821 | $3.6M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,821 | $3.6M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,821 | $3.6M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,821 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,821 | — |
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.