| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVENUE N SUITE 1200 BIRMINGHAM, AL 352032775 | METLIFE | $227K | — | $227K | 16.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVENUE N SUITE 725 BIRMINGHAM, AL 35203 | HM LIFE INSURANCE COMPANY | $68K | — | $68K | 10.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 303393182 | HEALTHNET | $38K | — | $38K | 5.98% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 303395946 | KAISER FOUNDATION HEALTH PLAN INC. | $20K | — | $20K | 4.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SO | PO BOX 2158 RIVERSIDE, CA 92516 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $3K | $23K | 10.30% |
| BERNIE LOWE & ASSOCIATES INC3 Filed as: BERNIE LOWE & ASSOCIATES | 615 HORSESHOE DRIVE SUITE G GRINNELL, IA 501124711 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 2.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVENUE N SUITE 725 BIRMINGHAM, AL 352032776 | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | $18K | — | $18K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC | PO BOX 5002 SHORT HILLS, NJ 070785002 | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | — | $3K | $3K | 1.88% |
| REGIONS INSURANCE INC3 | 300 COLONIAL CENTER PARKWAY SUITE 200 ROSWELL, GA 30076 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | RSA BATTLE HOUSE TOWER 11 N WATER STREET SUITE 19290 MOBILE, AL 36602 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | COWAN BENEFIT SERVICES 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 10.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 1065 AVENUE OF THE AMERICAS NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.83% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $3K | $10K | 14.98% |
| BERNIE LOWE & ASSOCIATES INC3 | 615 HORSESHOE DRIVE SUITE G GRINNELL, IA 50112 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 5.68% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | EYEMED VISION CARE | $2K | — | $2K | 12.54% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | EYEMED VISION CARE | $456 | — | $456 | 2.44% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 400 GALLERIA PARKWAY #300 ATLANTA, GA 30339 | DENTAL HEALTH SERVICES OF CALIFORNIA | $1K | — | $1K | 10.00% |
| JANICE KAY BEATY3 Filed as: JANICE BEATY | #3 BRAMLETTE PLACE LONGVIEW, TX 75601 | AFLAC | $4K | $228 | $4K | — |
| KIMBERLY GERACI3 | 8701 FM 1448 WINNSBORO, TX 75494 | AFLAC | $801 | $28 | $829 | — |
| ADAM SCOTT3 | 352 ZAMBEZI LANE BULLARD, TX 75757 | AFLAC | $439 | $40 | $479 | — |
| RONNIE WEBBER3 | 411 GREEN MEADOW TRAIL HOLLY LAKE RANCH, TX 75765 | AFLAC | $415 | — | $415 | — |
| WILLIAM HURLEY3 | 712 S CHILTON AVE TYLER, TX 75701 | AFLAC | $347 | $51 | $398 | — |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT GUTHRIE | 14227 N 14TH STREET PHOENIX, AZ 85022 | AFLAC | $373 | — | $373 | — |
| BENEFITS AT WORK LLC3 | 15215 GENERAL WILLIAMSON DR AUSTIN, TX 78734 | AFLAC | $310 | — | $310 | — |
| JEREMIAH D SMITH3 Filed as: JEREMIAH SMITH | 4805 SALMON RUN WAY FORT WORTH, TX 76137 | AFLAC | $238 | $11 | $249 | — |
| DEBBIE TOWNSEND3 | PO BOX 6881 TYLER, TX 75711 | AFLAC | $244 | — | $244 | — |
| JEANNETTE E FATHERREE3 Filed as: JEANNETTE FEATHERREE | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $199 | — | $199 | — |
| DEBORAH LEE STANLEY3 Filed as: DEBORAH STANLEY | 3727 COLONY PARK DRIVE TYLER, TX 75701 | AFLAC | $199 | — | $199 | — |
| FRANKLIN R DAVIES3 Filed as: FRANKLIN DAVIES | 201 ROYAL ABERDEEN WAY MCKINNEY, TX 75072 | AFLAC | $196 | — | $196 | — |
| GALYEAN INSURANCE AGENCY3 Filed as: GALYEAN INSURANCE AGENCY INC | PO BOX 797 SULPHUR SPRINGS, TX 75483 | AFLAC | $181 | — | $181 | — |
| CYNTHIA SMITH3 | 740 REAGAN STREET FRANKSTON, TX 75763 | AFLAC | $146 | — | $146 | — |
| BRIAN EDWARD BASS3 Filed as: BRIAN BASS | PO BOX 1207 CANTON, TX 75103 | AFLAC | $132 | — | $132 | — |
| SHAWN M GRAMMER3 Filed as: SHAWN GRAMMER | 8143 FM 1616 ATHENS, TX 75752 | AFLAC | $115 | — | $115 | — |
| LINDA STAGGS-LOPEZ3 | 3508 OMAR LANE PLANO, TX 75023 | AFLAC | $111 | — | $111 | — |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $102 | — | $102 | — |
| CYNTHIA VENTRESS3 | 13939 VINEHILL DRIVE SUGAR LAND, TX 77498 | AFLAC | $64 | — | $64 | — |
| MICHAEL SHANE KIRKLAND3 Filed as: MICHAEL KIRKLAND | 137 PLANTATION DRIVE KILLEN, AL 35645 | AFLAC | $60 | — | $60 | — |
| MARTHA MCBRAYER3 | 208 ANN DRIVE MARSHALL, TX 75672 | AFLAC | $59 | — | $59 | — |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CHARLOTTE WARFORD-BROWN | 1051 GOLF DRIVE BRANSON WEST, MO 65737 | AFLAC | $33 | — | $33 | — |
| SANDRA SHARPE3 | 406 W HILL ST CARTHAGE, TX 75633 | AFLAC | $29 | — | $29 | — |
| D AND V BUTLER INC3 | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $26 | — | $26 | — |
| LARRY D DENNY3 Filed as: LARRY MARONEY | 1230 MOUNTAIN BREEZE CANYON LAKE, TX 78133 | AFLAC | $25 | — | $25 | — |
| JAMES ROB BLAKEY3 Filed as: JAMES BLAKEY | 14234 SAVANNAH PASS SAN ANTONIO, TX 78216 | AFLAC | $25 | — | $25 | — |
| RONALD GRAVES3 | 3403 ELM KNOLL ST SAN ANTONIO, TX 78230 | AFLAC | $15 | — | $15 | — |
| TAMELA GALE WELLBORN3 Filed as: TAMELA WELLBORN | 117 OLIVER ST DOUGLASSVILLE, TX 75560 | AFLAC | $15 | — | $15 | — |
| ROY CHAVERS3 | 2401 BELMONT PL PLANO, TX 75023 | AFLAC | $14 | — | $14 | — |
| MICHAEL RUSHING3 | 21973 FM 15 TROUP, TX 75789 | AFLAC | $10 | — | $10 | — |
| POWELL A JOHNSON III3 Filed as: POWELL JOHNSON III | 9074 ELM TREE CIRCLE TYLER, TX 75703 | AFLAC | $10 | — | $10 | — |
| DARLENE HALL3 | 4106 BROOKHOLLOW CIRCLE TEXARKANA, TX 75503 | AFLAC | $9 | — | $9 | — |
| JARED N JONES3 Filed as: JARED JONES | 6907 RANCH FOREST DRIVE COLUMBUS, GA 31904 | AFLAC | $9 | — | $9 | — |
| JOYCE MASON3 | 3791 DELOACH STREET PENSACOLA, FL 32514 | AFLAC | $6 | — | $6 | — |
| RICHARD COLE JR.3 Filed as: RICHARD COLE JR | 2504 PECAN STREET TEXARKANA, AR 71854 | AFLAC | $4 | — | $4 | — |
| CAROLYN J LEE3 Filed as: CAROLYN LEE | 1412 MAIN STREET SUITE 504 TEXARKANA, TX 75501 | AFLAC | $3 | — | $3 | — |
| RICKY POLSER3 | 1210 COUNTY ROAD 4930 LEONARD, TX 75452 | AFLAC | $2 | — | $2 | — |
| JEFFERY TAL WEBB3 Filed as: JEFFERY WEBB | 900 PIERREMONT ROAD SUITE 114 SHREVEPORT, LA 71106 | AFLAC | $1 | — | $1 | — |
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 | 4,134 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF ALABAMA | 598 | $6.5M |
| Dental(8 contracts, 7 carriers) | BLUECROSS BLUESHIELD OF ALABAMA | 614 | $4.4M |
| Vision(3 contracts, 3 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 774 | $212K |
| Life insurance | METLIFE | 2,434 | $1.4M |
| Short-term disability(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 695 | $395K |
| Long-term disability(2 contracts, 2 carriers) | METLIFE | 2,434 | $1.6M |
| Prescription drug(2 contracts) | BLUECROSS BLUESHIELD OF ALABAMA | 598 | $5.4M |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 2,567 | $682K |
| Other(2 contracts, 2 carriers) | METLIFE | 4,134 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,134 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.