| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 300097614 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $84 | $28K | 7.75% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.79% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY DR STE 345 HOUSTON, TX 770363300 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.28% |
| PETRA RMS LLC3 | 2140 11TH AVE SOUTH SUITE 400 BIRMINGHAM, AL 35205 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| PETRA RMS LLC3 | 2140 11TH AVE SOUTH SUITE 400 BIRMINGHAM, AL 35205 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| PETRA RMS LLC3 | 2140 11TH AVE SOUTH SUITE 400 BIRMINGHAM, AL 35205 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| PETRA RMS LLC3 | 2140 11TH AVE SOUTH SUITE 400 BIRMINGHAM, AL 35205 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $430 | — | $430 | 19.99% |
| ANTHONY BURCHETT3 | 1504 JONES ROAD ROSWELL, GA 30075 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $143K | — | $143K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF NORTH CAR EIN 56-0894904 INSURANCE AGENTS AND BRO | Insurance agents and brokers Service code 22 | — | $102K |
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 | 478 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 485 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 243 | $706K |
| Dental(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 833 | $1.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 833 | $361K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 833 | $373K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 833 | $379K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 833 | $384K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 243 | $706K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 564 | $0 |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 833 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 833 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.