| 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 | $105K | — | $105K | 4.12% |
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKBRIDGE INSURANCE AGENCY INC | PO BOX 1049 LAGRANGE, GA 30241 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | — | $22K | 9.70% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BOULEVARD SUITE 365 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $3K | $13K | 5.73% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INS INC | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $2K | $4K | 1.68% |
| OAKBRIDGE INSURANCE AGENCY LLC3 | PO BOX 1049 LAGRANGE, GA 30241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $4K | $18K | 13.00% |
| OAKBRIDGE INSURANCE AGENCY LLC3 | PO BOX 1049 LAGRANGE, GA 30241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 13.00% |
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKBRIDGE INSURANCE AGENCY INC | PO BOX 1049 LAGRANGE, GA 30241 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 14.63% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BOULEVARD SUITE 365 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $226 | $1K | 5.85% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INS INC | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | $56 | — | $56 | 0.24% |
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKBRIDGE INSURANCE AGENCY INC | PO BOX 1049 LAGRANGE, GA 30241 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 43.27% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BOULEVARD SUITE 365 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $237 | $1K | 8.26% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INS INC | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | -$215 | — | -$215 | -1.32% |
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKBRIDGE INSURANCE AGENCY INC | PO BOX 1049 LAGRANGE, GA 30241 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 21.41% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BOULEVARD SUITE 365 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $738 | $167 | $905 | 7.15% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INS INC | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | -$112 | — | -$112 | -0.88% |
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKBRIDGE INSURANCE AGENCY INC | PO BOX 1049 LAGRANGE, GA 30241 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 29.77% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BOULEVARD SUITE 365 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $413 | $93 | $506 | 5.76% |
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 | 294 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 273 | $2.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 709 | $230K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 258 | $41K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 709 | $230K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 365 | $141K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 93 | $63K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 273 | $2.5M |
| Other(6 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 709 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 709 | — |
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.