| 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 | $95K | — | $95K | 6.00% |
| SUNSTAR INSURANCE GROUP LLC3 | 2140 11TH AVE S STE 400 BIRMINGHAM, AL 352052842 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 10.61% |
| GIS BENEFITS INC3 | 2520 NORTHWINDS PKWY STE 600 ALPHARETTA, GA 300092238 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 5.90% |
| PETRA RMS LLC3 | 2140 11TH AVE S STE 400 BIRMINGHAM, AL 352052842 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.57% |
| TIMOTHY JACKSON3 | 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 | $640 | — | $640 | 5.18% |
| REEVES, RANDY3 Filed as: THE REEVES AGENCY INC | PO BOX 797 FAIRHOPE, AL 36533 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $229 | — | $229 | 1.85% |
| SHERREL S COCHRAN3 | 3734 BRANCH DR SEMMES, AL 36575 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $166 | $11 | $177 | 1.43% |
| SHIRLEY KING3 Filed as: SHIRLEY F KING | 301 CO ROAD 280 CULLMAN, AL 35057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | — | $69 | 0.56% |
| LEWIS ASHTON BROCK III3 Filed as: LEWIS A BROCK III | 8776 SPRING GROVE NORTH MOBILE, AL 36695 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $10 | $68 | 0.55% |
| MELISSA BILLINGSLEY3 | 1509 GOVERNMENT ST MOBILE, AL 36604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $30 | $40 | 0.32% |
| JOSEPH ARTHUR CINK3 Filed as: JOSEPH ARTHUR CLARK | 19460 STATE HIGHWAY 181 FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.28% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.16% |
| AON CONSULTING INC3 Filed as: HEWITT & ASSOCIATES INC | PO BOX 15697 HATTIESBURG, MS 39404 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.15% |
| JENNA AILENE SWEARINGEN3 | 122 JOHN EVANS RD PETAL, MS 39465 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| SCARLETT PARKER3 | 19 GRANDBABY LANE HATTIESBURG, MS 39402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 312 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 249 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 561 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 322 | $1.6M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 138 | $48K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 469 | $82K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 469 | $94K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 469 | $82K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 469 | $82K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 469 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 469 | — |
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.