| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUNSTAR INSURANCE GROUP LLC3 | 308 ST MICHAEL ST MOBILE, AL 36608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 12.00% |
| SUNSTAR INSURANCE GROUP LLC3 | 308 ST MICHAEL ST MOBILE, AL 36608 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 18.29% |
| PETRA RMS LLC3 | 2140 11TH AVE S SUITE 400 BIRMINGHAM, AL 35205 | SUN LIFE ASSURANCE COMPANY OF CANADA | $371 | — | $371 | 1.58% |
| SUNSTAR INSURANCE GROUP LLC3 | 308 ST MICHAEL ST MOBILE, AL 36602 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.00% |
| SUNSTAR INSURANCE GROUP LLC3 | 308 ST MICHAEL ST MOBILE, AL 36608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.00% |
| SUNSTAR INSURANCE GROUP LLC3 | 2140 11TH AVE S SUITE 400 BIRMINGHAM, AL 35205 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 14.87% |
| SUNSTAR INSURANCE GROUP LLC3 | 2140 11TH AVE S BIRMINGHAM, AL 35205 | VISION SERVICE PLAN | $565 | $0 | $565 | 91.87% |
| PETRA RMS LLC3 | 2140 11TH AVE S BIRMINGHAM, AL 35205 | VISION SERVICE PLAN | $50 | $0 | $50 | 8.13% |
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 | 290 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 292 | $1.2M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 292 | $1.2M |
| Vision | VISION SERVICE PLAN | 109 | $615 |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $63K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 30 | $23K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 37 | $23K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 292 | $1.2M |
| Other(4 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 292 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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.