| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 26 CENTURY BLVD NASHVILLE, TN 37214 | BLUE CROSS AND BLUE SHIELD OF ALABAMA | $46K | — | $46K | 1.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $7K | $17K | 4.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $31 | $6K | 2.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | C/O JP MORGAN CHASE 26 CENTRURY BLVD NASHVILLE, TN 37214 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | — | $20K | 17.87% |
| 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 | — | $581 | $581 | 0.53% |
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 | 224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 87 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 689 | $4.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,137 | $205K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,137 | $205K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,012 | $418K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,012 | $418K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,012 | $418K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 689 | $4.0M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,012 | $529K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,137 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.