| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUNSTAR INSURANCE GROUP LLC3 Filed as: SUNSTAR INSURANCE GROUP LLC D/B/A P | 2140 11TH AVENUE SOUTH SUITE 400 BIRMINGHAM, AL 35205 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | — | $16K | 16.62% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $7K | 7.23% |
| SUNSTAR INSURANCE GROUP LLC3 | DBA PETRA ROOMS BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 7.93% |
| LEWIS ASHTON BROCK III3 | 8776 SPRING GROVE NORTH MOBILE, AL 36695 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 6.05% |
| SHERREL S COCHRAN3 | 3734 BRANCH DRIVE SEMMES, AL 36575 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $452 | $3K | 3.75% |
| MELISSA BILLINGSLEY3 | 1509 GOVERNMENT STREET FLOOR 4 MOBILE, AL 36604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $606 | $1K | $2K | 2.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 1120 SOUTH TRYON STREET SUITE 650 CHARLOTTE, NC 28203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.46% |
| ASHTON BROCK3 | 1708 LAUREL STREET MOBILE, AL 36604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $356 | — | $356 | 0.41% |
| EVAN LEWIS SMITH3 | 6613 MCCRARY ROAD EXTENSION SEMMES, AL 36575 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $219 | $243 | 0.28% |
| JEFF HUNTER SWEATT3 | 300 BAY HILL DRIVE DAPHNE, AL 36526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $242 | — | $242 | 0.28% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $171 | — | $171 | 0.20% |
| JOSEPH ARTHUR CINK3 | 19460 STATE HIGHWAY 181 FAIRHOPE, AP 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | — | $131 | 0.15% |
| SUSAN RENEE DAY3 | 5618 DOGWOOD TRAIL EIGHT MILE, AL 36613 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.06% |
| JENNIFER C CUSHMAN3 | 5038 CAMELOT DRIVE WEST MOBILE, AL 36619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $26 | $34 | 0.04% |
| TASCHET L MILLER3 | 6583 KINGS GATE DRIVE SOUTH MOBILE, AL 36618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 167 | $1.8M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 302 | $96K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 302 | $96K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 302 | $96K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 302 | $96K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 167 | $1.8M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 302 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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.