| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SOUTHLAKE FINANCIAL GROUP LLC3 | 3800 COLONNADE PKWY STE 650 BIRMINGHAM, AL 35243 | METROPOLITAN LIFE INSURANCE COMPANY | $92K | $56K | $149K | 3.44% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 200 SUMMIT LAKE DRIVE SUITE 350 VALHALLA, NY 10595 | HCC LIFE INSURANCE | $47K | $0 | $47K | 11.96% |
| MOLTON ALLEN WILLAMS LLC3 Filed as: MOLTON ALLEN AND WILLIAMS | 100 URBAN CENTER DRIVE, SUITE 400 BIRMINGHAM, AL 35242 | ZURICH AMERICAN INSURANCE COMPANY | $557 | $0 | $557 | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS OF ALABAMA EIN 63-0103830 MEDICAL ASO CONTRACK | Claims processing Service code 12 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35298 | $1.3M |
| EXPRESS SCRIPTS EIN 43-1420563 PBM ASO | Claims processing Service code 12 | 6625 W 78TH STREET BLO365 BLOOMINGTON, MN 55439 | $657K |
| CHAPPELLE CONSULTING GROUP EIN 63-0891122 FLEXIBLE SPENDING TPA | Insurance services Service code 23 | 1747 REESE STREET BIRMINGHAM, AL 35209 | $37K |
| AMERICAN BEHAVIORAL EIN 63-1030881 MENTAL HEALTH PROVIDER | Claims processing Service code 12 | 2204 LAKESHORE DRIVE, SUITE 135 BIRMINGHAM, AL 35209 | $0 |
| BEHAVIORAL HEALTH SYSTEMS EIN 63-1007625 MENTAL HEALTH PROVIDER | Claims processing Service code 12 | TWO METROPLEX DRIVE SUITE 500 BIRMINGHAM, AL 35209 | $0 |
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 | 1,849 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,700 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,549 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 8,490 | $4.3M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 8,490 | $4.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 8,490 | $4.3M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 8,490 | $4.3M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 8,490 | $4.3M |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE | 352 | $395K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,490 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,490 | — |
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."
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.