| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVENUE N STE 1200 BIRMINGHAM, AL 35203 | AMERICAN FIDELITY INSURANCE COMPANY | $29K | — | $29K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVENUE N STE 1200 BIRMINGHAM, AL 35203 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $38K | $2K | $39K | 15.68% |
| BENEFIT ADVISORS SERVICES | 1120 SANCTUARY PKWY STE 375 ALPHARETTA, GA 30009 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 1.89% |
| CAPITAL STRATEGIES GROUP3 | 850 SHADES CREEK PKWY STE 300 BIRMINGHAM, AL 35209 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | -$68 | — | -$68 | -0.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVENUE N STE 1200 BIRMINGHAM, AL 35203 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | $1K | $27K | 15.64% |
| BENEFIT ADVISORS SERVICES | 1120 SANCTUARY PKWY STE 375 ALPHARETTA, GA 30009 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 1.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVENUE N STE 1200 BIRMINGHAM, AL 35203 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | $1K | $25K | 15.68% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PKWY STE 375 ALPHARETTA, GA 30009 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 1.95% |
| WILLIAM R BLAKELY3 | PO BOX 11310 CHATTANOOGA, TN 37401 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $4K | $10K | 12.51% |
| SHARON MAY LINDSAY3 | 2911 STAGE RUN DR HIXSON, TN 37343 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $823 | $1K | $2K | 4.37% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 414 GALLIMORE DAIRY GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.94% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: JIM BRUCE MERCER | 6809 ANCHORAGE LANE CHATTANOOGA, TN 37343 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $570 | — | $570 | 1.13% |
| TULLY AND COMPANY INC3 Filed as: TULLY & COMPANY | 1926 STONE BRIDGE LANE MARIETTA, GA 30064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $377 | — | $377 | 0.75% |
| MAX MARTIN LINDSAY3 | 2911 STAGE RUN DR HIXSON, TN 37343 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $118 | $183 | $301 | 0.60% |
| KATHERINE C ROBERTS3 Filed as: KATHERINE C. ROBERTS | 8846 PICADILLY TRAIL OOLTEWAH, TN 37363 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $281 | $18 | $299 | 0.60% |
| BSK BENEFITS PLUS LLC | 205 PINECREST DR COVINGTON, LA 70433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $237 | — | $237 | 0.47% |
| JAMES H CLARK3 Filed as: JAMES H. CLARK | 500 FAIRWAY COURT NEWMAN, GA 30265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | — | $98 | 0.20% |
| KLINGBEIL AND ASSOCIATES INC3 Filed as: KLINGBEIL & ASSOCIATES INC | 6000 LAKE FOREST DRIVE ATLANTA, GA 30328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $42 | $76 | 0.15% |
| BRUCE H PHILLIPS3 | 1418 OAKHURST DR OOLTEWAH, TN 37363 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.09% |
| HOLLERN & ASSOCIATES INCORPORATED3 | 11412 ROBBIA DRIVE LAS VEGAS, NV 89138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.09% |
| NINA LEGATE3 | 430 WATERLOO WAY MARY ESTHER, FL 32569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.09% |
| MIKE NEWMAN3 | C/O J SMITH LANIER BIRMINGHAM, AL 35242 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.05% |
| ROBERT GENE RAMSAY3 | 1836 HARRISON DRIVE GARDENDALE, AL 35071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.03% |
| TODD BOOZER3 Filed as: TODD A BOOZER | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.02% |
| INSYNC BENEFITS INC3 | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| BENEFITS COURT II INC3 | 248 RIVERWOOD DR LEWISVILLE, NC 27023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| AIMEE STONE3 | 2317 GARLAND DRIVE BIRMINGHAM, AL 35216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| THE ADAMSON GROUP INC3 | 344 SUMMERSET DRIVE CHAPIN, SC 29036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEMS | 1301 GERVAIS ST COLUMBIA, SC 29201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVENUE N STE 1200 BIRMINGHAM, AL 35203 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $163 | $4K | 15.65% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PKWY STE 375 ALPHARETTA, GA 30009 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $479 | — | $479 | 1.87% |
| CAPITAL STRATEGIES GROUP3 | 850 SHADES CREEK PKWY STE 300 BIRMINGHAM, AL 35209 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $68 | — | $68 | 0.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS AND BLUESHIELD OF AL EIN 63-0103830 NONE | Claims processing Service code 12 | 450 RIVERCHASE PARKWAY E. PO BOX995 BIRMINGHAM, AL 35298 | $496K |
| DELTA DENTAL OF TENNESSEE EIN 62-0812197 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 240 VENTURE CIRCLE NASHVILLE, TN 37228 | $25K |
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 | 1,280 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 459 | $81K |
| Life insurance | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,280 | $251K |
| Short-term disability | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | 607 | $173K |
| Long-term disability | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | 362 | $160K |
| Stop-loss / reinsurancereinsurance | AMERICAN FIDELITY INSURANCE COMPANY | 860 | $289K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 1,280 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,280 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.