| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETRA RMS LLC3 | 2140 ELEVENTH AVE SOUTH, SUITE 400 BIRMINGHAM, AL 35205 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA LTD | $2K | $989 | $3K | 8.80% |
| TIMOTHY T. JACKSON3 | 308 SAINT MICHAEL ST. MOBILE, AL 36609 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA LTD | $2K | — | $2K | 6.77% |
| PETRA RMS LLC3 | 2140 ELEVENTH AVE SOUTH, SUITE 400 BIRMINGHAM, AL 35205 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA TEMP DISABILITY | $2K | $948 | $3K | 8.81% |
| TIMOTHY T. JACKSON3 | 308 SAINT MICHAEL ST. MOBILE, AL 36602 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA TEMP DISABILITY | $2K | — | $2K | 6.76% |
| PETRA RMS LLC3 | 2140 ELEVENTH AVE SOUTH, SUITE 400 BIRMINGHAM, AL 35205 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA VOL LIFE | $2K | $938 | $3K | 9.14% |
| TIMOTHY T. JACKSON3 | 308 SAINT MICHAEL ST. MOBILE, AL 36602 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA VOL LIFE | $2K | — | $2K | 6.16% |
| PETRA RMS LLC3 | 2140 ELEVENTH AVE SOUTH, SUITE 400 BIRMINGHAM, AL 35205 | COMBINED INSURANCE | $14K | — | $14K | 60.10% |
| ANDREW JENNINGS3 | 618 EAST SOUTH STREET #500 ORLANDO, FL 32801 | COMBINED INSURANCE | $2K | — | $2K | 9.13% |
| PETRA RMS LLC3 | 2140 ELEVENTH AVE SOUTH, SUITE 400 BIRMINGHAM, AL 35205 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA VISION | $664 | $548 | $1K | 7.25% |
| TIMOTHY T. JACKSON3 | 308 SAINT MICHAEL ST. MOBILE, AL 36602 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA VISION | $692 | — | $692 | 4.14% |
| PETRA RMS LLC3 | 2140 ELEVENTH AVE SOUTH, SUITE 400 BIRMINGHAM, AL 35205 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA LIFE | $519 | $302 | $821 | 8.87% |
| TIMOTHY T. JACKSON3 | 308 SAINT MICHAEL ST. MOBILE, AL 36602 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA LIFE | $620 | — | $620 | 6.70% |
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 | 198 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF ALABAMA | 274 | $1.4M |
| Dental | BLUE CROSS & BLUE SHIELD OF ALABAMA | 274 | $1.4M |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA VISION | 172 | $17K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA VOL LIFE | 178 | $38K |
| Short-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA TEMP DISABILITY | 178 | $53K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA LTD | 178 | $30K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF ALABAMA | 274 | $1.4M |
| Other | BLUE CROSS & BLUE SHIELD OF ALABAMA | 274 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.