| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETRA RMS LLC3 | 2140 ELEVENTH AVE SOUTH, SUITE 400 BIRMINGHAM, AL 35205 | COMBINED INSURANCE | $13K | — | $13K | 31.41% |
| ANDREW JENNINGS3 | 618 EAST SOUTH STREET #500 ORLANDO, FL 32801 | COMBINED INSURANCE | $981 | — | $981 | 2.45% |
| PETRA RMS LLC3 | 2140 ELEVENTH AVE SOUTH, SUITE 400 BIRMINGHAM, AL 35205 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA VOL LIFE | $5K | — | $5K | 13.66% |
| GIS BENEFITS INC3 | 425 WAUPONSEE ST MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA VOL LIFE | — | $3K | $3K | 7.10% |
| PETRA RMS LLC3 | 2140 ELEVENTH AVE SOUTH, SUITE 400 BIRMINGHAM, AL 35205 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA LTD | $4K | — | $4K | 13.72% |
| GIS BENEFITS INC3 | 425 WAUPONSEE ST MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA LTD | — | $2K | $2K | 4.98% |
| PETRA RMS LLC3 | 2140 ELEVENTH AVE SOUTH, SUITE 400 BIRMINGHAM, AL 35205 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA TEMP DISABILITY | $4K | — | $4K | 13.71% |
| GIS BENEFITS INC3 | 425 WAUPONSEE ST MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA TEMP DISABILITY | — | $2K | $2K | 5.01% |
| PETRA RMS LLC3 | 2140 ELEVENTH AVE SOUTH, SUITE 400 BIRMINGHAM, AL 35205 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA VISION | $2K | — | $2K | 9.12% |
| GIS BENEFITS INC3 | 425 WAUPONSEE ST MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA VISION | — | $1K | $1K | 6.54% |
| PETRA RMS LLC3 | 2140 ELEVENTH AVE SOUTH, SUITE 400 BIRMINGHAM, AL 35205 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA LIFE | $1K | — | $1K | 13.70% |
| GIS BENEFITS INC3 | 425 WAUPONSEE ST MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA LIFE | — | $521 | $521 | 5.22% |
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 | 197 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF ALABAMA | 278 | $1.7M |
| Dental | BLUE CROSS & BLUE SHIELD OF ALABAMA | 278 | $1.7M |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA VISION | 206 | $19K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA VOL LIFE | 219 | $49K |
| Short-term disability(2 contracts, 2 carriers) | COMBINED INSURANCE | 183 | $71K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA LTD | 183 | $32K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF ALABAMA | 278 | $1.7M |
| Other | BLUE CROSS & BLUE SHIELD OF ALABAMA | 278 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.