| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PALOMAR INSURANCE CORPORATION3 | PO BOX 240849 MONTGOMERY, AL 36124 | METROPOLITAN LIFE INSURANCE COMPANY | $45K | $0 | $45K | 14.61% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $3K | $20K | 6.56% |
| PALOMAR INSURANCE CORPORATION3 | 4525 EXECUTIVE PARK DRIVE SUITE 202 MONTGOMERY, AL 36116 | AFLAC | $6K | $0 | $6K | 5.16% |
| RANDY B JACKSON3 Filed as: RANDY B. JACKSON | PO BOX 1550 MILLBROOK, AL 36054 | AFLAC | $4K | $2 | $4K | 3.81% |
| CHAMCO LLC3 Filed as: CHAMCO, LLC AND OTHER AGENTS | 8 NIGHTWIND COURT COLUMBUS, GA 31909 | AFLAC | $4K | $0 | $4K | 3.57% |
| STEVEN T. WHITMIRE3 | 102B ARDEN ROAD MONTGOMERY, AL 36109 | AFLAC | $3K | $0 | $3K | 2.54% |
| HAROLD Y GROOMS3 Filed as: HAROLD Y. GROOMS | 110 COOSA VIEW DRIVE DEATSVILLE, AL 36022 | AFLAC | $2K | $11 | $2K | 2.11% |
| THE HORTON GROUP3 Filed as: MEGHAN HORTON BOWEN | 431 PARKERSONS WAY AUBURN, AL 36832 | AFLAC | $2K | $2 | $2K | 1.31% |
| LISA MICHELLE JACKSON3 | 4144 RIVER OAKS ROAD MILLBROOK, AL 36054 | AFLAC | $994 | $0 | $994 | 0.86% |
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 | 421 | 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) | 421 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 639 | $308K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 639 | $308K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 639 | $308K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 639 | $308K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 639 | $308K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 639 | $424K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 639 | — |
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.