| 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 | DELTA DENTAL OF TENNESSEE | $44K | — | $44K | 5.00% |
| 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 | $79K | $5K | $84K | 18.08% |
| 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 | $60K | $4K | $63K | 18.02% |
| 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 | $44K | $3K | $47K | 18.17% |
| RUSS BLAKELY & ASSOCIATES LLC3 Filed as: RUSS BLAKELY & ASSOCIATES, LLC | 246 EAST 11TH STREET SUITE 302 CHATTANOOGA, TN 37402 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $12K | $27K | 14.18% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST 8TH FLOOR BUFFALO, NY 14204 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 4.79% |
| 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 | $17K | — | $17K | 20.00% |
| 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 | $10K | — | $10K | 15.00% |
| 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 | $11K | — | $11K | 20.00% |
| 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 | $767K |
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 | 1,999 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,999 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 2,928 | $878K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 950 | $190K |
| Life insurance | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,999 | $463K |
| Short-term disability | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,012 | $352K |
| Long-term disability | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | 633 | $257K |
| Other(3 contracts) | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | 384 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,928 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.