| 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 | $24K | $3K | $26K | 14.48% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $3K | $12K | 6.65% |
| NATIONAL ENROLLMENT SERVICES3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 14.89% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $310 | $8K | 14.64% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY BLDG 2 SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $386 | $0 | $386 | 0.72% |
| WORKSITE BENEFIT SERVICES3 Filed as: WORKSITE BENEFIT SERVICES INC | 22 INVERNESS CENTER PKWY SUITE 100 BIRMINGHAM, AL 35242 | METROPOLITAN LIFE INSURANCE COMPANY | -$8 | $0 | -$8 | -0.01% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 112 MAGNOLIA ESTATES DRIVE LEAGUE CITY, TX 77573 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.16% |
| NATIONAL ENROLLMENT SERVICES3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.05% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY BLDG 2 SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $311 | $0 | $311 | 0.77% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $243 | $243 | 0.60% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 112 MAGNOLIA ESTATES DRIVE LEAGUE CITY, TX 77573 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.07% |
| NATIONAL ENROLLMENT SERVICES3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.77% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY BLDG 2 SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $216 | $0 | $216 | 0.79% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $166 | $166 | 0.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF AL EIN 63-0103830 DENTAL ADMIN | Claims processing Service code 12 | — | $7K |
| TOTAL ADMINISTRATIVE SERVICES CORP EIN 39-1561025 FSA ADMIN | Contract Administrator; Claims processing Service code 12 | — | $5K |
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 | 578 | 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) | 578 | 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 | 273 | $2.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 578 | $182K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 578 | $182K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 578 | $182K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 578 | $182K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 273 | $2.1M |
| Other(4 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 578 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 578 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.