| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVE N STE 725 BIRMINGHAM, AL 35203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $27K | $7K | $34K | 18.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVE N SUITE 1200 BIRMINGHAM, AL 35203 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $61 | $19K | 11.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | PO BOX 2407 MOBILE, AL 36652 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC. | 2101 6TH AVE. N STE 1200 BIRMINGHAM, AL 35203 | SUN LIFE ASSURANCE COMPANY OF CANADA | $734 | — | $734 | 4.59% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | SUN LIFE ASSURANCE COMPANY OF CANADA | $734 | — | $734 | 4.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | SERVICES WEST INC. PO BOX 101162 PASADENA, CA 91189 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $554 | $554 | 3.47% |
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 | 404 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 407 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 264 | $159K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 264 | $159K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 404 | $183K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 404 | $183K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 404 | $183K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 404 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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.