| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PALOMAR INSURANCE CORPORATION3 | PO BOX 240849 MONTGOMERY, AL 36124 | METROPOLITAN LIFE INSURANCE COMPANY | $42K | $22 | $42K | 13.41% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $4K | $20K | 6.23% |
| PALOMAR INSURANCE CORPORATION3 | 4525 EXECUTIVE PARK DRIVE SUITE 202 MONTGOMERY, AL 36116 | AFLAC | $5K | $0 | $5K | 5.26% |
| KEITH BELICH3 Filed as: KEITH LIN BELICH AND OTHER AGENTS | 8408 TIMBER CREEK DRIVE PIKE ROAD, AL 36064 | AFLAC | $4K | $280 | $4K | 3.87% |
| RANDY B JACKSON3 Filed as: RANDY B. JACKSON | PO BOX 1550 MILLBROOK, AL 36054 | AFLAC | $4K | $120 | $4K | 3.71% |
| HAROLD Y GROOMS3 Filed as: HAROLD Y. GROOMS | 110 COOSA VIEW DRIVE DEATSVILLE, AL 36022 | AFLAC | $2K | $88 | $2K | 2.24% |
| LISA MICHELLE JACKSON3 | 4144 RIVEROAKS ROAD MILLBROOK, AL 36054 | AFLAC | $2K | $148 | $2K | 2.03% |
| BRIAN K CHAMBERS3 Filed as: BRIAN K. CHAMBERS | 8 NIGHTWIND COURT COLUMBUS, GA 31909 | AFLAC | $1K | $120 | $1K | 1.45% |
| SAIC INC3 Filed as: SAIC, INC. | 1639 BRADLEY PARK DRIVE COLUMBUS, GA 31904 | AFLAC | $718 | $0 | $718 | 0.73% |
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 | 211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 596 | $317K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 596 | $317K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 596 | $317K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 596 | $317K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 596 | $317K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 596 | $415K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 596 | — |
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.