| 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 | $222K | — | $222K | 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 | $74K | — | $74K | 5.00% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN AND HALL | 115 OFFICE PARK DRIVE, SUITE 200 MOUNTAIN BROOK, AL 35223 | GULF GUARANTY LIFE INSURANCE COMPANY | $69K | — | $69K | 4.63% |
| PAYROLL & BENEFIT SOLUTIONS3 | 1121 RIVERCHASE OFFICE RD. BIRMINGHAM, AL 352442868 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | — | $30K | 12.18% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL | 115 OFFICE PARK DR. BIRMINGHAM, AL 352232421 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $450 | $6K | 2.53% |
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 | 1,127 | 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) | 1,127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 2,099 | $9.9M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 2,099 | $10.2M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 2,099 | $10.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,176 | $249K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,176 | $249K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,176 | $249K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 2,099 | $9.9M |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 2,099 | $11.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,099 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.