| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BILLY G. HOOD | 653 LANCEWOOD DRIVE W MOBILE, AL 36609 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| BILLY G. HOOD | 653 LANCEWOOD DR W MOBILE, AL 36609 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 7.65% |
| ONE SOURCE BROKERAGE, INC. Filed as: ONE SOURCE BROKERAGE INC | 3155 MIDTOWN PARK S MOBILE, AL 36606 | METROPOLITAN LIFE INSURANCE COMPANY | $839 | — | $839 | 1.91% |
| BILLY G. HOOD | 653 LANCEWOOD DRIVE W MOBILE, AL 36609 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $975 | — | $975 | 8.10% |
| ONE SOURCE BROKERAGE, INC. Filed as: ONE SOURCE BROKERAGE INC | 3155 MIDTOWN PARK S MOBILE, AL 36606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| BILLY G. HOOD | 653 LANCEWOOD DR W MOBILE, AL 36609 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 1.74% |
| ONE SOURCE BROKERAGE, INC. Filed as: ONE SOURCE BROKERAGE INC | 3156 MIDTOWN PARK S MOBILE, AL 36606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.46% |
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 | 130 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability(4 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 70 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 70 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.