| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 2722 MADISON, MS 391302722 | UNITEDHEALTHCARE INSURANCE COMPANY | $84K | — | $84K | 5.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 700096650 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 0.54% |
| TIMOTHY JACKSON3 | 857 DOWNTOWNER BLVD STE J MOBILE, AL 366095420 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 15.17% |
| PETRA RMS LLC3 | 2140 11TH AVE S STE 400 BIRMINGHAM, AL 352052842 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $33 | $12K | 14.70% |
| TIMOTHY JACKSON | 2140 11TH AVENUE S., SUITE 400 BIRMINGHAM, AL 35205 | DELTA DENTAL INSURANCE COMPANY | $4K | — | $4K | 8.36% |
| MWL3 | PO BOX 14067 JACKSON, MS 39236 | DELTA DENTAL INSURANCE COMPANY | $3K | — | $3K | 6.49% |
| TIMOTHY JACKSON3 | 857 DOWNTOWNER BLVDJ MOBILE, AL 36609 | DELTA DENTAL INSURANCE COMPANY | $716 | — | $716 | 1.65% |
| PETRA RMS LLC3 | 2140 11TH AVE S BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $976 | — | $976 | 6.96% |
| SHERREL S COCHRAN3 | 3734 BRANCH DR SEMMES, AL 36575 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $303 | $5 | $308 | 2.20% |
| REEVES, RANDY3 Filed as: THE REEVES AGENCY INC | PO BOX 797 FAIRHOPE, AL 36533 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $291 | — | $291 | 2.08% |
| SHIRLEY KING3 Filed as: SHIRLEY F KING | 301 CO ROAD 280 CULLMAN, AL 35057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | — | $163 | 1.16% |
| LEWIS ASHTON BROCK III3 Filed as: LEWIS A BROCK III | 8776 SPRING GROVE NORTH MOBILE, AL 36695 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | $9 | $115 | 0.82% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $2 | $37 | 0.26% |
| SCARLETT PARKER3 | 19 GRANDBABY LANE HATTIESBURG, MS 39402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.19% |
| JOSEPH ARTHUR CINK3 Filed as: JOSEPH ARTHUR CLARK | 19460 STATE HIGHWAY 181 FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.16% |
| AON CONSULTING INC3 Filed as: HEWITT & ASSOCIATES INC | PO BOX 15697 HATTIESBURG, MS 39404 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.16% |
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 | 384 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 105 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 489 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 366 | $1.5M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 138 | $44K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 558 | $80K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 558 | $94K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 558 | $80K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 558 | $80K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 558 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 558 | — |
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.
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.