| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVE NORTH SUITE 1200 BIRMINGHAM, AL 35203 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $9K | — | $9K | 1.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | 2101 6TH AVENUE NORTH, STE 1200 BIRMINGHAM, AL 35203 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $19K | — | $19K | 5.84% |
| VARIOUS - SEE ATTACHED3 Filed as: MULTIPLE AGENTS - SEE ATTACHED | PO BOX 427 COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38K | — | $38K | 19.31% |
| BOW CONSULTING, INC.3 Filed as: BOW CONSULTING INC | 201 SPYGLASS RD DOTHAN, AL 36305 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | — | $25K | 15.00% |
| THE ABACUS GROUP LLC3 | 2541 LAFAYETTE PLAZA DRIVE ALBANY, GA 31707 | UNION SECURITY INSURANCE COMPANY | $9K | — | $9K | 14.46% |
| WILLIAM B. SMITH III3 Filed as: WILLIAM SMITH | 201 SPYGLASS ROAD DOTHAN, AL 36305 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 6.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | 2101 6TH AVE NORTH BIRMINGHAM, AL 35202 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 4.75% |
| DISABILITY RMS5 Filed as: DISABILITY RMS, INC. | 300 SOUTHBOROUGH DRIVE, SUITE 200 SOUTH PORTLAND, ME 04092 | UNION SECURITY INSURANCE COMPANY | — | $3K | $3K | 4.30% |
| BOW CONSULTING, INC.3 Filed as: BOW CONSULTING, INC | 201 SPYGLASS ROAD DOTHAN, AL 36305 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 2.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS PERRIN FORSTER & CROSBY, INC | MELLON BANK CENTER 1735 MARKET STREET PHILADELPHIA, PA 19103 | UNION SECURITY INSURANCE COMPANY | — | $909 | $909 | 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 | — | $565 | $565 | 0.93% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN AND HALL INC. | 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 35223 | UNION SECURITY INSURANCE COMPANY | $104 | — | $104 | 0.17% |
| JOHN MCDONNELL3 Filed as: JOHN WILLIAMS | 205 FOXRUN TRAIL DOTHAN, AL 36303 | UNION SECURITY INSURANCE COMPANY | $65 | — | $65 | 0.11% |
| 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 | $4K | $457 | $4K | 11.72% |
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 | 1,663 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 94 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,768 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 123 | $648K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 114 | $344K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 0 | $319K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,779 | $168K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 139 | $61K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $37K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,779 | $365K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,779 | — |
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.