| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL ENROLLMENT SERVICES3 | 666 DUNDEE ROAD, SUITE 1603 NORTHBROOK, IL 60062 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $0 | $22K | 7.31% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BOULEVARD SUITE 900 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $0 | $22K | 7.26% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $2K | $19K | 6.31% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $2K | $12K | 3.99% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 112 MAGNOLIA ESTATES DRIVE LEAGUE CITY, TX 77573 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.71% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY S BUILDING 2, SUITE 600 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.34% |
| ACI3 | UNKNOWN BIRMINGHAM, AL 35210 | ACE AMERICAN INSURANCE COMPANY | $27K | $0 | $27K | 23.49% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BOULEVARD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | $0 | $15K | 17.53% |
| HOWARD LABOW3 | 666 DUNDEE ROAD, SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | $0 | $15K | 17.51% |
| ERIKA M TORRES3 Filed as: ERIKA TORRES | 10805 LACROSSE AVENUE OAK LAWN, IL 60453 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $169 | $0 | $169 | 0.20% |
| MAIA LABOW3 | 666 DUNDEE ROAD, SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $61 | $0 | $61 | 0.07% |
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 | 247 | 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) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 331 | $1.9M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 580 | $298K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 580 | $382K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 580 | $298K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 580 | $298K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 331 | $1.9M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 580 | $382K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 580 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.