| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: TOWN & COUNTY INSURANCE DBA CADENCE | 10260 WESTHEIMER ROAD SUITE 180 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $45K | $0 | $45K | 27.29% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $988 | $7K | 4.15% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 3.55% |
| WORKSITE BENEFIT SERVICES3 Filed as: WORKSITE BENEFIT SERVICES INC | 246 INVERNESS CENTER DRIVE BIRMINGHAM, AL 35242 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 17.13% |
| BXS INSURANCE INC3 Filed as: TOWN & COUNTY INSURANCE DBA CADENCE | 10260 WESTHEIMER ROAD SUITE 180 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 15.49% |
| NATIONAL ENROLLMENT SERVICES3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 14.46% |
| NATIONAL ENROLLMENT SERVICES3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 30.12% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 10260 WESTHEIMER ROAD SUITE 180 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.55% |
| NATIONAL ENROLLMENT SERVICES3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 29.86% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 10260 WESTHEIMER ROAD SUITE 180 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF AL EIN 63-0103830 DENTAL ADMIN | Claims processing Service code 12 | — | $8K |
| TOTAL ADMINISTRATIVE SERVICES CORP EIN 39-1561025 FSA ADMIN | Claims processing; Contract Administrator Service code 12 | — | $4K |
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 | 858 | 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) | 858 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 333 | $2.2M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 858 | $164K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 858 | $164K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 858 | $164K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 858 | $164K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 333 | $2.2M |
| Other(5 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 858 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 858 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.