| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 2101 6TH AVENUE NORTH SUITE 725 BIRMINGHAM, AL 35203 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $31 | $11K | 12.24% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 5.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 11 NORTH WATER STREET SUITE 19290 MOBILE, AL 36602 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $31 | $2K | 2.37% |
| PETRA RMS LLC3 | 2140 11TH AVENUE SOUTH SUITE 400 BIRMINGHAM, AL 35205 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.11% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTRY BOULEVARD C/O J P MORGAN CHASE NASHVILLE, TN 37214 | METROPOLITAN LIFE INSURANCE COMPANY | — | $928 | $928 | 1.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | PO BOX 2407 MOBILE, AL 36652 | METROPOLITAN LIFE INSURANCE COMPANY | — | $606 | $606 | 0.70% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND FINANCIAL/NEW ENGLAND S | 1095 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4 | $4 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 214 NORTH TRYON STREET SUITE 2500 CHARLOTTE, NC 28202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $3K | $7K | 8.57% |
| LEWIS ASHTON BROCK III3 | 8776 SPRING GROVE NORTH MOBILE, AL 36695 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $192 | $7K | 7.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 4359 STEIN STREET MOBILE, AL 36608 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 5.40% |
| SHERREL S COCHRAN3 | 3734 BRANCH DRIVE SEMMES, AL 36575 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1 | $1K | 1.30% |
| JOSEPH ARTHUR CINK3 | 19460 STATE HIGHWAY 181 FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $822 | — | $822 | 0.96% |
| JEFF HUNTER SWEATT3 | 300 BAYHILL DRIVE DAPHNE, AL 36526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $443 | — | $443 | 0.52% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $314 | — | $314 | 0.37% |
| ASHTON BROCK3 | 1708 LAUREL STREET MOBILE, AL 36604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $206 | — | $206 | 0.24% |
| MADISON LYNN SUNDIE3 | 13443 COUNTY ROAD 28 SUMMERDALE, AL 36580 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $140 | — | $140 | 0.16% |
| NIGEL J HERTZ3 | 5367 DANDALE DRIVE MOBILE, AL 36693 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | — | $94 | 0.11% |
| SUSAN RENEE DAY3 | 5618 DOGWOOD TRAIL EIGHT MILE, AL 36613 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | — | $86 | 0.10% |
| REEVES, RANDY3 Filed as: THE REEVES AGENCY INC | PO BOX 797 FAIRHOPE, AL 36533 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 0.08% |
| DAVID NICHOLAS BYRD3 | 613 YOUNG NECK ROAD MOBILE, MS 36608 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| TASCHET L MILLER3 | 6583 KINGS GATE DRIVE SOUTH MOBILE, AL 36618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 169 | $380K |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 169 | $380K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 258 | $87K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 258 | $87K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 258 | $87K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 258 | $87K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 169 | $380K |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 258 | $553K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.