| 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 | $83K | — | $83K | 6.56% |
| PETRA RMS LLC3 | 2140 11TH AVE S STE 400 BIRMINGHAM, AL 352052842 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| TIMOTHY JACKSON | 2140 11TH AVENUE S., SUITE 400 BIRMINGHAM, AL 35205 | DELTA DENTAL INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| MWL3 | PO BOX 14067 JACKSON, MS 39236 | DELTA DENTAL INSURANCE COMPANY | $3K | — | $3K | 6.50% |
| PETRA RMS LLC3 | 2140 11TH AVE S BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 7.81% |
| REEVES, RANDY3 Filed as: THE REEVES AGENCY INC | PO BOX 797 FAIRHOPE, AL 36533 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $425 | — | $425 | 3.19% |
| SHERREL S COCHRAN3 | 3734 BRANCH DR SEMMES, AL 36575 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $311 | — | $311 | 2.33% |
| JOSEPH ARTHUR CINK3 Filed as: JOSEPH ARTHUR CLARK | 19460 STATE HIGHWAY 181 FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $132 | — | $132 | 0.99% |
| LEWIS ASHTON BROCK III3 Filed as: LEWIS A BROCK III | 8776 SPRING GROVE NORTH MOBILE, AL 36695 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | $4 | $125 | 0.94% |
| SHIRLEY KING3 Filed as: SHIRLEY F KING | 301 CO ROAD 280 CULLMAN, AL 35057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 0.68% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.19% |
| AON CONSULTING INC3 Filed as: HEWITT & ASSOCIATES INC | PO BOX 15697 HATTIESBURG, MS 39404 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.15% |
| SCARLETT PARKER3 | 19 GRANDBABY LANE HATTIESBURG, MS 39402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.11% |
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 | 343 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 171 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 514 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 321 | $1.3M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 138 | $48K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 527 | $82K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 527 | $96K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 527 | $82K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 527 | $82K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 527 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 527 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.