| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| A2 HOLDINGS, LLC3 | PO BOX 94068 ATLANTA, GA 30377 | BLUE CROSS AND BLUE SHIELD OF ALABAMA | $81K | — | $81K | 5.11% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $4K | $13K | 7.09% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INS INC | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $3K | $8K | 4.36% |
| OAKBRIDGE INSURANCE AGENCY LLC3 | PO BOX 1049 LAGRANGE, GA 30241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 7.88% |
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD # 9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.24% |
| A2 HOLDINGS, LLC3 Filed as: A2 HOLDINGS LLC | 887 WEST MARIETTA STREET N-108 ATLANTA, GA 30318 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.70% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $688 | $688 | 0.67% |
| OAKBRIDGE INSURANCE AGENCY LLC3 | PO BOX 1049 LAGRANGE, GA 30241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $799 | $3K | 8.09% |
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD # 9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $926 | — | $926 | 2.16% |
| A2 HOLDINGS, LLC3 Filed as: A2 HOLDINGS LLC | 887 WEST MARIETTA STREET N-108 ATLANTA, GA 30318 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $693 | — | $693 | 1.62% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $278 | $278 | 0.65% |
| HAUSER INC3 Filed as: HAUSER, INC. | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $966 | — | $966 | 2.81% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $954 | $476 | $1K | 8.74% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INS INC | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | $758 | $442 | $1K | 7.34% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INS INC | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | $962 | $287 | $1K | 8.56% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $841 | $332 | $1K | 8.04% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $709 | $288 | $997 | 8.59% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INS INC | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | $294 | $253 | $547 | 4.72% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INS INC | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | $798 | $275 | $1K | 20.88% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $440 | $265 | $705 | 13.72% |
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 | 436 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 436 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 282 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 702 | $178K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 702 | $213K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 702 | $178K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 702 | $281K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 702 | $221K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 282 | $1.6M |
| Other(6 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 702 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 702 | — |
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."
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.