| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SW INC. | 315 WEST 3RD STREET LITTLE ROCK, AR 72201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | — | $18K | 5.87% |
| MULTIPLE AGENTS*3 | CARE OF CONTINENTAL AMERICAN INS. PO BOX 427 COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $85K | — | $85K | 30.20% |
| BOW CONSULTING, INC.3 Filed as: BOW CONSULTING INC. | 201 SPYGLASS ROAD DOTHAN, AL 36305 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | — | $21K | 14.77% |
| BOW CONSULTING, INC.3 | 201 SPYGLASS ROAD DOTHAN, AL 36305 | UNION SECURITY INSURANCE COMPANY | $13K | — | $13K | 18.35% |
| THE ABACUS GROUP LLC3 | 2541 LAFAYETTE PLAZA DRIVE ALBANY, GA 31707 | UNION SECURITY INSURANCE COMPANY | $12K | — | $12K | 16.24% |
| DISABILITY RMS5 Filed as: DISABILITY RMS, INC. | ONE RIVERFRONT PLAZA WESTBROOK, ME 04092 | UNION SECURITY INSURANCE COMPANY | — | $3K | $3K | 4.30% |
| WILLIAM B. SMITH III3 Filed as: WILLIAM SMITH | 201 SPYGLASS ROAD DOTHAN, AL 36305 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 2.91% |
| THE ABACUS GROUP LLC3 Filed as: THE ABACUS GROUP, LLC | 252 HARRY LANE BLVD. SUITE 100 KNOXVILLE, TN 37923 | UNION SECURITY INSURANCE COMPANY | — | $2K | $2K | 2.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS PERRIN FORSTER AND CROSBY | MELLON BANK CENTER 1735 MARKET STREET PHILADELPHIA, PA 19103 | UNION SECURITY INSURANCE COMPANY | — | $1K | $1K | 1.50% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN AND HALL INC. | 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 35223 | UNION SECURITY INSURANCE COMPANY | $217 | — | $217 | 0.30% |
| JOHN MCDONNELL3 Filed as: JOHN WILLIAMS | 205 FOXRUN TRAIL DONTHAN, AL 36303 | UNION SECURITY INSURANCE COMPANY | $164 | — | $164 | 0.23% |
| WILLIAM H SMITH3 | 201 SPYGLASS ROAD DOTHAN, AL 36305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 13.76% |
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 | 1,848 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,848 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 114 | $610K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 628 | $324K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 628 | $298K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,848 | $141K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 158 | $71K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 56 | $25K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,848 | $424K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,848 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.