| 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 | UNITED HEALTHCARE INSURANCE COMPANY | $33K | — | $33K | 1.78% |
| ASSURANCE AGENCY LTD3 Filed as: INTERNATIONAL ASSURANCE INC. | PO BOX 9635 MOBILE, AL 36691 | UNITED HEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 0.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | PO BOX 2407 MOBILE, AL 36652 | UNION SECURITY INSURANCE COMPANY | $22K | — | $22K | 9.99% |
| S S NESBITT & CO INC3 Filed as: S.S. NESBITT & COMPANY INC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | UNION SECURITY INSURANCE COMPANY | $11K | — | $11K | 4.89% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | PO BOX 2407 MOBILE, AL 36652 | UNITED CONCORDIA DENTAL CORPORATION OF ALABAMA | $7K | — | $7K | 5.47% |
| S S NESBITT & CO INC3 Filed as: S.S. NESBITT & CO. | 3500 BLUE LAKE DRIVE STE. 120 BIRMINGHAM, AL 35243 | UNITED CONCORDIA DENTAL CORPORATION OF ALABAMA | $3K | — | $3K | 2.60% |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 458 | $1.9M |
| Dental | UNITED CONCORDIA DENTAL CORPORATION OF ALABAMA | 187 | $132K |
| Vision | UNION SECURITY INSURANCE COMPANY | 275 | $216K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 275 | $216K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 275 | $216K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 275 | $216K |
| Other | UNION SECURITY INSURANCE COMPANY | 275 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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.