| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANCE INSURANCE GROUP LLC3 | P.O. BOX 240518 MONTGOMERY, AL 361240518 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $1K | $4K | 2.97% |
| MICHAEL C. RUTLAND3 Filed as: MICHAEL RUTLAND | 2740 CENTRAL PKWY MONTGOMERY, AL 361063243 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.36% |
| JOHN CLEMENTS3 | 2740 CENTRAL PKWY MONTGONERY, AL 361063243 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.36% |
| ALLIANCE INSURANCE GROUP LLC3 | P.O. BOX 240518 MONTGOMERY, AL 361240518 | COMPBENEFITS INSURANCE COMPANY | $1K | — | $1K | 9.96% |
| RUTLAND, MICHAEL C.3 | 2740 CENTRAL PKWY MONTGOMERY, AL 36206 | COMPBENEFITS INSURANCE COMPANY | $345 | — | $345 | 3.13% |
| ALLIANCE INSURANCE GROUP LLC3 Filed as: ALLIANCE INSURANCE GROUP, LLC | P.O. BOX 240518 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 36.87% |
| STACIA ROBINSON3 | 6008 E SHIRLEY LANE MONTGOMERY, AL 36117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $312 | $91 | $403 | 5.36% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES, INC. | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | $236 | $334 | 4.45% |
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 | 241 | 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) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 241 | $121K |
| Vision | COMPBENEFITS INSURANCE COMPANY | 69 | $11K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 241 | $128K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 241 | $121K |
| Stop-loss / reinsurancereinsurance | METROPOLITAN LIFE INSURANCE COMPANY | 241 | $121K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 241 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.