| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | P.O. BOX 2992 WICHITA, KS 672023408 | METROPOLITAN LIFE INSURANCE COMPANY | $230K | — | $230K | 4.49% |
| WWW INSURANCE, LLC3 Filed as: WWW INSURANCE LLC | 430 E DOUGLAS AVE, STE 400 WICHITA, KS 303286243 | METROPOLITAN LIFE INSURANCE COMPANY | $48K | — | $48K | 0.94% |
| OPTAVISE, LLC3 Filed as: OPTAVISE LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 352331819 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | — | $31K | 7.56% |
| IMA, INC.3 Filed as: IMA INC | 430 E DOUGLAS AVE STE 400 WICHITA, KS 672023408 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 4.12% |
| OPTAVISE, LLC0 Filed as: OPTAVISE LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 352331819 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | — | $23K | 10.52% |
| IMA, INC.3 Filed as: IMA INC | 430 E DOUGLAS AVE STE 400 WICHITA, KS 672023408 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 6.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS OF ALABAMA EIN 63-0103830 MEDICAL / PBM ASO | Claims processing Service code 12 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35298 | $2.0M |
| BEHAVIORAL HEALTH SYSTEMS EIN 63-1007625 MENTAL HEALTH PROVIDER | Claims processing Service code 12 | TWO METROPLEX DRIVE BIRMINGHAM, AL 35209 | $716K |
| PROACT PBM ASO | Claims processing Service code 12 | 633 ROUTE 298, SUITE 210 EAST SYRACUSE, NY 13057 | $240K |
| WILLIS TOWERS WATSON EIN 26-0775680 HRA SERVICING | Insurance services Service code 23 | — | $29K |
| FLORES EIN 56-1542307 FLEXIBLE SPENDING TPA | Insurance services Service code 23 | — | $27K |
| METTROPOLITAN LIFE INSURANCE COMPAN EIN 13-5581829 NONE | Claims processing; Contract Administrator Service code 12 | — | $11K |
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 | 2,912 | 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) | 2,912 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,709 | $635K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 6,667 | $5.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 6,667 | $5.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 6,667 | $5.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,667 | $5.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,667 | $5.1M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 6,667 | $5.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,667 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.