| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVE NORTH 1200 BIRMINGHAM, AL 35203 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $4K | — | $4K | 0.59% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SW INC. | 315 WEST 3RD STREET LITTLE ROCK, AR 72201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | — | $11K | 3.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC | PO BOX 730416 DALLAS, TX 75373 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 2.41% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $1K | $1K | 0.35% |
| MULTIPLE AGENTS*3 | CARE OF CONTINENTAL AMERICAN INS. PO BOX 427 COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45K | — | $45K | 22.45% |
| BOW CONSULTING, INC.3 Filed as: BOW CONSULTING INC. | 201 SPYGLASS ROAD DOTHAN, AL 36305 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | — | $24K | 14.75% |
| THE ABACUS GROUP LLC3 | 2541 LAFAYETTE PLAZA DRIVE ALBANY, GA 31707 | UNION SECURITY INSURANCE COMPANY | $11K | — | $11K | 16.24% |
| BOW CONSULTING, INC.3 Filed as: BOW CONSULTING INC | 201 SPYGLASS ROAD DOTHAN, AL 36305 | UNION SECURITY INSURANCE COMPANY | $8K | — | $8K | 12.74% |
| DISABILITY RMS5 Filed as: DISABILITY RMS, INC. | 300 SOUTHBOROUGH DRIVE SUITE 200 SOUTH PORTLAND, ME 04092 | UNION SECURITY INSURANCE COMPANY | — | $3K | $3K | 4.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVE NORTH BIRMINGHAM, AL 35202 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 3.69% |
| 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 | — | $976 | $976 | 1.50% |
| THE ABACUS GROUP LLC3 Filed as: THE ABACUS GROUP, LLC | 252 HARRY LANE BLVD. SUITE 100 KNOXVILLE, TN 37923 | UNION SECURITY INSURANCE COMPANY | — | $786 | $786 | 1.21% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL INC | 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 35223 | UNION SECURITY INSURANCE COMPANY | $161 | — | $161 | 0.25% |
| JOHN MCDONNELL3 Filed as: JOHN WILLIAMS | 205 FOXRUN TRAIL DONTHAN, AL 36303 | UNION SECURITY INSURANCE COMPANY | $115 | — | $115 | 0.18% |
| WILLIAM H SMITH3 | 201 SPYGLASS ROAD DOTHAN, AL 36305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 8.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC | 2101 6TH AVENUE N STE 725 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $958 | $151 | $1K | 3.44% |
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 | 1,874 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,886 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 114 | $675K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 653 | $335K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 653 | $306K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,823 | $164K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 145 | $65K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 62 | $32K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,823 | $364K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,823 | — |
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.