| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANCE INSURANCE GROUP LLC3 Filed as: ALLIANCE INSURANCE GROUP | PO BOX 240518 MONTGOMERY, AL 36124 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $405 | $6K | 14.83% |
| PATRIOT GROWTH INSURANCE SERVICES3 | DBA ALLIANCE INSURANCE GROUP PO BOX 240518 MONTGOMERY, AL 36124 | COLONIAL LIEFE AND ACCIDENT INSURANCE COMPANY | $107 | — | $107 | 17.66% |
| BARDEN AND ASSOCIATES LLC3 | 93 RESTFUL COVE DADEVILLE, AL 36853 | COLONIAL LIEFE AND ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 6.77% |
| PJ SKELTON LLC3 | 1580 CLUB CREEK DR AUBURN, AL 36830 | COLONIAL LIEFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.83% |
| STACIA ROBINSON3 | 6008 E SHIRLEY LANE SUITE F MONTGOMERY, AL 36117 | COLONIAL LIEFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.50% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES, INC | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIEFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.33% |
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 | 155 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 155 | $40K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 155 | $40K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 155 | $40K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 155 | $40K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 155 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.