| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC. | PO BOX 2407 MOBILE, AL 36652 | METROPOLITAN LIFE INSURANCE COMPANY | $85K | $31K | $116K | 6.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC. | 11 NO WATER ST, RSA BATTLE HOUSE TR 19TH FL, STE. 19290 MOBILE, AL 36602 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $164K | — | $164K | 9.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | PO BOX 100003 PASADENA, CA 91189 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 0.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | PO BOX 305025 NASHVILLE, TN 372305025 | AMERICAN HERITAGE LIFE INSURANCE | $22K | — | $22K | 8.10% |
| BRIAN BROUCKAERT3 | PO BOX 2407 MOBILE, AL 36652 | AMERICAN HERITAGE LIFE INSURANCE | $17K | — | $17K | 6.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS IN. C/O INNOTECH | 233 S WACKER DRIVE SUITE 1875 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE | $6K | — | $6K | 2.13% |
| MARIAM Y ROSA C/O INNOTECH3 | 233 S WACKER DRIVE SUITE 1875 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE | $8 | — | $8 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA | PO BOX 2407 MOBILE, AL 36652 | NATIONAL GUARDIAN LIFE | $14K | — | $14K | 5.39% |
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 | 3,005 | 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) | 3,005 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE | 1,057 | $269K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 4,694 | $1.7M |
| Vision | NATIONAL GUARDIAN LIFE | 1,672 | $262K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,006 | $1.6M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,006 | $1.6M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,006 | $1.6M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,006 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,694 | — |
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.