| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAYROLL & BENEFIT SOLUTIONS3 Filed as: PAYROLL AND BENEFIT SOLUTION | 1121 RIVERCHASE OFFICE ROAD BIRMINGHAM, AL 35244 | GULF GUARANTY LIFE INSURANCE COMPANY | $166K | — | $166K | 15.00% |
| ROB STONE PREMIER WORKSITE SOLUTION3 Filed as: ROB STONE | PREMIER WORKSITE SOLUTIONS 8575 W 110TH STREET, SUITE 320 OVERLAND PARK, KS 66210 | GULF GUARANTY LIFE INSURANCE COMPANY | $55K | — | $55K | 5.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS & BLUE SHIELD OF ALABAMA | 450 RIVERCHASE PKWY E HOOVER, AL 352442858 | VISION SERVICE PLAN | $10K | — | $10K | 10.21% |
| PAYROLL & BENEFIT SOLUTIONS3 | 1121 RIVERCHASE OFFICE RD. BIRMINGHAM, AL 352442868 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 18.97% |
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 | 1,084 | 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) | 1,084 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 1,955 | $7.1M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 1,955 | $7.1M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 793 | $150K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 362 | $52K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 362 | $52K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 362 | $52K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 1,955 | $7.1M |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 1,955 | $8.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,955 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.