| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | 9401 AMERGLEN BLVD SUITE 100 AUSTIN, TX 78729 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $2K | $19K | 21.27% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND FINANCIAL | 1095 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | METROPOLITAN LIFE INSURANCE COMPANY | — | $14K | $14K | 15.34% |
| EMPLOYER PLAN SVCS INC3 Filed as: EMPLOYER PLAN SERVICES INC. | 2180 NORTH LOOP W SUITE 400 HOUSTON, TX 77018 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 12.36% |
| MARK METTILLE3 | 107 CANDLELIGHT LN MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | PO BOX 2407 MOBILE, AL 36652 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31 | $31 | 0.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3510 N CAUSEWAY BLVD SUITE 200 METAIRIE, LA 70002 | ALLSTATE | $378 | — | $378 | 4.40% |
| CHRITOPH INC.3 | 353 CLOVERDALE ROAD MONTGOMERY, AL 36104 | ALLSTATE | $368 | — | $368 | 4.28% |
| FIRST PROTECTIVE INSURANCE GROUP3 Filed as: FIRST PROTECTIVE INS GROUP INC | 600 LUCKIE DRIVE SUITE 200 BIRMINGHAM, AL 35223 | ALLSTATE | $111 | — | $111 | 1.29% |
| ALG ACQUISITIONS I LLC3 Filed as: ALG ACQUISITIONS LLC | 2650 MCCORMICK DRIVE STE 300 A CLEARWATER, FL 33759 | ALLSTATE | $55 | — | $55 | 0.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70001 | COMPBENEFITS | $323 | — | $323 | 8.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 11 N WATER S 19TH FLOOR, SUITE 19290 MOBILE, AL 36602 | COMPBENEFITS | $71 | — | $71 | 1.81% |
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 | 253 | 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) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLSTATE | 10 | $9K |
| Vision | COMPBENEFITS | 21 | $4K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 388 | $97K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 388 | $88K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 388 | $88K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 388 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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.
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.