| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 11 NO WATER ST, 19TH FLOOR SUITE 19290, RSA BATTLE HOUSE TOWER MOBILE, AL 36602 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $194K | — | $194K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA INC | PO BOX 101162 PASADENA, CA 91189 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $23K | $23K | 1.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | PO BOX 2407 MOBILE, AL 36652 | METROPOLITAN LIFE INSURANCE COMPANY | $91K | $31K | $121K | 6.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | PO BOX 2407 MOBILE, AL 36652 | METROPOLITAN LIFE INSURANCE COMPANY | $47K | $14K | $61K | 6.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 11 N WATER ST, 19TH FLOOR RSA BATTLE HOUSE MOBILE, AL 36602 | STARMOUNT LIFE INSURANCE COMPANY | $13K | — | $13K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 26 CENTURY BLVD NASHVILLE, TN 37214 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | — | $16K | 6.12% |
| BRIAN BROUCKAERT3 | PO BOX 2407 MOBILE, AL 36652 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | — | $15K | 5.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | C/O INNOTECH 233 S WACKER DR, STE 1875 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 1.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | PO BOX 305025 NASHVILLE, TN 37230 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 0.75% |
| MIRIAM Y ROSA3 | 1776 AMERICAN HERITAGE LIFE DR JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 11 N WATER ST, 19TH FLOOR RSA BATTLE HOUSE MOBILE, AL 36602 | STARMOUNT LIFE INSURANCE COMPANY | $8K | — | $8K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTRURY BLVD NASHVILLE, TN 37214 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 5.83% |
| BRIAN BROUCKAERT3 | PO BOX 2407 MOBILE, AL 36652 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 5.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | C/O INNOTECH 233 S WACKER DR, STE 1875 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | PO BOX 305025 NASHVILLE, TN 37230 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $800 | — | $800 | 0.74% |
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 | 3,197 | 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) | 3,197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 4,831 | $2.8M |
| Vision(2 contracts) | STARMOUNT LIFE INSURANCE COMPANY | 2,282 | $422K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,217 | $1.9M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,217 | $1.9M |
| Other(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,217 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,831 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.