| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $1K | $20K | 11.34% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $2K | $9K | 5.22% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $980 | $0 | $980 | 0.55% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $470 | $470 | 0.26% |
| NATIONAL ENROLLMENT SERVICES3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 19.43% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $146 | $5K | 13.55% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY BLDG 2 SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $279 | $146 | $425 | 1.08% |
| WORKSITE BENEFIT SERVICES3 Filed as: WORKSITE BENEFIT SERVICES INC | 22 INVERNESS CENTER PKWY SUITE 100 BIRMINGHAM, AL 35242 | METROPOLITAN LIFE INSURANCE COMPANY | -$1 | $0 | -$1 | -0.00% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE | 10260 WESTHEIMER ROAD SUITE 180 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | -$6 | $0 | -$6 | -0.02% |
| NATIONAL ENROLLMENT SERVICES3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 17.95% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 112 MAGNOLIA ESTATES DRIVE LEAGUE CITY, TX 77573 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 12.32% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY BLDG 2 SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $181 | $0 | $181 | 0.55% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $122 | $122 | 0.37% |
| NATIONAL ENROLLMENT SERVICES3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 20.07% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 112 MAGNOLIA ESTATES DRIVE LEAGUE CITY, TX 77573 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 13.49% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY BLDG 2 SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $126 | $0 | $126 | 0.55% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $84 | $84 | 0.37% |
| 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 | 573 | 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) | 573 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 292 | $2.0M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 573 | $178K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 573 | $178K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 573 | $178K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 573 | $178K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 292 | $1.9M |
| Other(4 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 573 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 573 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.