| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 345 NORTH OLD WOODWARD AVENUE SUITE 370 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $145K | $0 | $145K | 9.21% |
| ADP INC5 Filed as: AUTOMATIC DATA PROCESSING, INC. | PO BOX 842875 BOSTON, MA 02284 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $108K | $108K | 6.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | 26 CENTURY BOULEVARD NASHVILLE, TN 37214 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $52K | $0 | $52K | 3.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | 214 NORTH TRYON STREET, SUITE 2500 CHARLOTTE, NC 28202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $33K | $0 | $33K | 2.07% |
| LOCKTON COMPANIES, LLC3 | PO BOX 671291 DALLAS, TX 75267 | RELIASTAR LIFE INSURANCE COMPANY | $71K | $0 | $71K | 14.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | 214 NORTH TRYON STREET, SUITE 2500 CHARLOTTE, NC 28202 | RELIASTAR LIFE INSURANCE COMPANY | $57K | $0 | $57K | 11.88% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $29K | $29K | 6.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | PO BOX 101162 PASADENA, CA 91189 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $24K | $24K | 5.07% |
| ADP INC3 Filed as: ADP, LLC | 2835 DECKER LAKE DR SALT LAKE CITY, UT 84119 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $8K | $8K | 1.78% |
| RINGMASTER INSURANCE AGENCY LLC3 Filed as: RINGMASTER INSURANCE AGENCY, LLC | 5200 TOWN CENTER CIRCLE, SUITE 540 BOCA RATON, FL 33486 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.21% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | NATIONAL VISION ADMINISTRATION | $6K | $0 | $6K | 5.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | 11 NORTH WATER STREET, 19TH FLOOR SUITE 19290 MOBILE, MO 36602 | NATIONAL VISION ADMINISTRATION | $6K | $0 | $6K | 4.86% |
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 | 3,658 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 200 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,868 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 338 | $2.3M |
| Vision | NATIONAL VISION ADMINISTRATION | 3,731 | $124K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,658 | $1.6M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,658 | $1.6M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,658 | $1.6M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 338 | $2.3M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,658 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,731 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.