| 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 | HCC LIFE INSURANCE COMPANY | $46K | — | $46K | 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 | $53K | $4K | $57K | 18.17% |
| 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 | $32K | $2K | $35K | 18.18% |
| WILLIAM R BLAKELY3 | 414 COUNCIL FIRE DR CHATTANOOGA, TN 37421 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $6K | $12K | 8.03% |
| RUSS BLAKELY & ASSOCIATES LLC3 Filed as: RUSS BLAKELY & ASSOCIATES, LLC | 246 EAST 11TH STREET, SUITE 302 CHATTANOOGA, TN 32569 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 4.09% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 414 GALLIMORE DAIRY GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 5.06% |
| KATHERINE C ROBERTS3 Filed as: KATHERINE C. ROBERTS | 8846 PICADILLY TRAIL OOLTEWAH, TN 37363 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $97 | $2K | 3.49% |
| SHARON MAY LINDSAY3 | 2911 STAGE RUN DR HIXSON, TN 37343 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $842 | $631 | $1K | 2.49% |
| MAX MARTIN LINDSAY3 | 2911 STAGE RUN DR HIXSON, TN 37343 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $250 | $160 | $410 | 0.69% |
| TULLY AND COMPANY INC3 Filed as: TULLY & COMPANY | 1926 STONE BRIDGE LANE MARIETTA, GA 30064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $303 | — | $303 | 0.51% |
| BSK BENEFITS PLUS LLC3 | 205 PINECREST DR COVINGTON, LA 70433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $200 | — | $200 | 0.34% |
| JOHN T ROBERTS3 | 8846 PICADILLY TRAIL OOLTEWAH, TN 37363 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $139 | — | $139 | 0.24% |
| JAMES H CLARK3 Filed as: JAMES H. CLARK | 500 FAIRWAY COURT NEWMAN, GA 30265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | — | $83 | 0.14% |
| RJK & ASSOCIATES INC3 Filed as: RJK & ASSOCIATES, INC. | 1800 PEACHTREE STREET NW ATLANTA, GA 30309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $30 | $71 | 0.12% |
| HOLLERN & ASSOCIATES INCORPORATED3 | 11412 ROBBIA DRIVE LAS VEGAS, NV 89138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.06% |
| NINA LEGATE3 | 430 WATERLOO WAY MARY ESTHER, FL 32569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.06% |
| MIKE NEWMAN3 | C/O J SMITH LANIER BIRMINGHAM, AL 35242 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.03% |
| KLINGBEIL AND ASSOCIATES INC3 Filed as: KLINGBEIL & ASSOCIATES INC | 6000 LAKE FOREST DRIVE ATLANTA, GA 30328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.03% |
| ROBERT GENE RAMSAY3 | 1836 HARRISON DRIVE GARDENDALE, AL 35071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| TODD BOOZER3 Filed as: TODD A BOOZER | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.02% |
| AIMEE STONE3 | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| INSYNC BENEFITS INC3 | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| BENEFITS COURT II INC3 | 1401 CHRISTMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEMS | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| THE ADAMSON GROUP INC3 | 344 SUMMERSET DRIVE CHAPIN, SC 29036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $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 | $5K | $373 | $6K | 18.23% |
| 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 NEW YORK | — | $1 | $1 | 0.11% |
| 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 | $610K |
| DELTA DENTAL OF TENNESSEE EIN 62-0812197 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 240 VENTURE CIRCLE NASHVILLE, TN 37228 | $35K |
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 | 931 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 931 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 628 | $147K |
| Life insurance | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | 931 | $311K |
| Short-term disability(2 contracts, 2 carriers) | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | 475 | $31K |
| Long-term disability | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | 109 | $191K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 932 | $459K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 475 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 932 | — |
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.