| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUNSTAR INSURANCE GROUP LLC3 | 2140 11TH AVE S STE 400 BIRMINGHAM, AL 35205 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 14.82% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET STE 600 MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $984 | $5K | 6.11% |
| SUNSTAR INSURANCE GROUP LLC3 | PO BOX 9750 SPRINGFIELD, MO 65801 | METROPOLITAN LIFE INSURANCE COMPANY | — | $924 | $924 | 1.10% |
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 | 98 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 172 | $1.2M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 172 | $1.2M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 209 | $84K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 209 | $84K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 209 | $84K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 209 | $84K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 172 | $1.2M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 209 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.