| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDWIN L PETERS3 | 153 W I-65 SERVICE ROAD N MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.50% |
| MARK S METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 10.00% |
| PETRA RMS LLC3 | 308 ST. MICHAELS ST MOBILE, AL 36602 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.62% |
| ANTHONY SCOTT WATERS3 Filed as: ANTHONY S WATERS | 3662 DAUPHIN ST STE A1 MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $848 | — | $848 | 1.88% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $605 | $605 | 1.34% |
| EDWIN L PETERS3 | 153 W I-65 SERVICE ROAD N MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.55% |
| MARK S METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 10.00% |
| PETRA RMS LLC3 | 308 ST. MICHAELS ST MOBILE, AL 36602 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $863 | — | $863 | 2.60% |
| ANTHONY SCOTT WATERS3 Filed as: ANTHONY S WATERS | 3662 DAUPHIN ST STE A1 MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $613 | — | $613 | 1.85% |
| GTS INC3 Filed as: GTS BENEFITS INC | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $487 | $487 | 1.47% |
| EDWIN L PETERS3 | 153 W I-65 SERVICE ROAD N MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.54% |
| MARK S METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 10.00% |
| PETRA RMS LLC3 | 308 ST. MICHAELS ST MOBILE, AL 36602 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $397 | — | $397 | 2.62% |
| ANTHONY SCOTT WATERS3 Filed as: ANTHONY S WATERS | 3662 DAUPHIN ST. STE A1 MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $279 | — | $279 | 1.84% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $226 | $226 | 1.49% |
| EDWIN L PETERS3 | 153 W I-65 SERVICE ROAD N MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.60% |
| MARK S METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 10.00% |
| PETRA RMS LLC3 | 308 ST. MICHAES ST MOBILE, AL 36602 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $347 | — | $347 | 2.51% |
| ANTHONY SCOTT WATERS3 Filed as: ANTHONY S WATERS | 3662 DAUPHIN ST STE A1 MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $260 | — | $260 | 1.88% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $210 | $210 | 1.52% |
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 | 256 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 256 | $2.4M |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 256 | $2.4M |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 227 | $29K |
| Long-term disability(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 40 | $78K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 256 | $2.4M |
| Other(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 256 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.
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.