| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC | 2101 6TH AVE N STE 725 BIRMINGHAM, AL 35203 | METROPOLITAN LIFE INSURANCE COMPANY | $259K | — | $259K | 13.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC | PO BOX 2407 MOBILE, AL 36652 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $24K | $24K | 1.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC | RSA BATTLE HOUSE TOWER 11 N. WATER ST. 19 FL STE 19290 MOBILE, AL 36602 | GREAT MIDWEST INSURANCE COMPANY (GMIC) | $89K | — | $89K | 10.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY SUITE #1950 ATLANTA, GA 30339 | HEALTH NET | $36K | — | $36K | 6.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY SUITE #1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN, INC | $0 | $27K | $27K | 5.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SO | PO BOX 2158 RIVERSIDE, CA 92516 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $2K | $23K | 9.83% |
| BERNIE LOWE & ASSOCIATES INC3 Filed as: BERNIE LOWE & ASSOCIATES | 615 HORSESHOE DR STE G GRINNELL, IA 50112 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 2.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC | 2101 6TH AVE N STE 725 BIRMINGHAM, AL 35203 | AMERITAS LIFE INSURANCE CORP OF NEW YORK | $13K | — | $13K | 6.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 2101 6TH AVE N STE 725 BIRMINGHAM, AL 35203 | AMERITAS LIFE INSURANCE CORP OF NEW YORK | $6K | — | $6K | 3.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY | PO BOX 5002 SHORT HILLS, NJ 07078 | AMERITAS LIFE INSURANCE CORP OF NEW YORK | $0 | $4K | $4K | 2.03% |
| ADVANTAGE HEALTHCARE PLANNING3 | PO BOX 173 SPRING LAKE, NJ 07762 | UNION SECUITY INSURANCE COMPANY | $7K | — | $7K | 5.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | COWAN BENEFIT SERVICES 5110 MARYLAND WAY STE 250 BRENTWOOD, TN 37027 | STANDARD INSURANCE COMPANY | $11K | $0 | $11K | 9.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 1065 AVE OF THE AMERICAS NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 1.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | STANDARD INSURANCE COMPANY | $989 | $0 | $989 | 0.85% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC | 300 COLONIAL CENTER PKWY STE200 ROSWELL, GA 30076 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $7K | $14K | 12.05% |
| RUTHERFORD FINANCIAL SERVICES INC.3 Filed as: MCGRIIFF INSURANCE SERVICES INC | 1150 JULLIAN DR WATKINSVILLE, GA 30677 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 3.86% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC | RSA BATTLE HOUSE TOWER WATER ST. 19 FL STE 19290 MOBILE, AL 36602 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $11K | — | $11K | 10.00% |
| BERNIE LOWE & ASSOCIATES INC3 Filed as: BERNIE LOWE & ASSOCIATES | 615 HORSESHOE DR STE G GRINNELL, IA 50112 | HARTFORD LIFE AND ACCIDENT | $4K | $185 | $4K | 5.75% |
| JANICE KAY BEATY3 | 3 BRAMLETTE PL LONGVIEW, TX 75601 | AFLAC | $4K | $56 | $4K | 6.67% |
| KIMBERLEY D GERACI3 | 8701 FM 1448 WINNSBORO, TX 75494 | AFLAC | $368 | $56 | $424 | 0.66% |
| ADAM SCOTT3 | 352 ZAMBEZI LN BULLARD, TX 75757 | AFLAC | $410 | — | $410 | 0.64% |
| RONNIE PATTON3 Filed as: RONNIE C WEBBER | 411 GREEN MEADOW TRL HOLLY LAKE RANCH, TX 75765 | AFLAC | $393 | — | $393 | 0.62% |
| WILLIAM M HURLEY3 | 712 S CHILTON AVE TYLER, TX 75701 | AFLAC | $355 | $23 | $378 | 0.59% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT M GUTHRIE | 14227 N 14TH ST PHOENIZ, AZ 85022 | AFLAC | $324 | — | $324 | 0.51% |
| BENEFITS AT WORK LLC3 Filed as: BENEFITS AT WORK, LLC | 15215 GENERAL WILLIAMSON DR AUSTIN, TX 78734 | AFLAC | $277 | — | $277 | 0.43% |
| DEBBIE TOWNSEND3 Filed as: DEBBIE TOWNSON | PO BOX 6881 TYLER, TX 75711 | AFLAC | $225 | — | $225 | 0.35% |
| JEANETTE FATHERREE3 Filed as: JEANETTE E FETHERREE | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $197 | — | $197 | 0.31% |
| FRANKLIN R DAVIES3 | 201 ROYAL ABERDEEN WAY MCKINNEY, TX 75072 | AFLAC | $171 | — | $171 | 0.27% |
| GALYEAN INSURANCE AGENCY3 | PO BOX 797 SULPHUR SPRINGS, TX 75483 | AFLAC | $166 | — | $166 | 0.26% |
| JERMIAH D SMITH3 | 4805 SALMON RUN WAY FORT WORTH, TX 76137 | AFLAC | $120 | $11 | $131 | 0.21% |
| CYNTHIA SMITH3 Filed as: CYNTHIA B SMITH | 740 REAGAN ST FRANKSTON, TX 75763 | AFLAC | $107 | — | $107 | 0.17% |
| KENNETH L STAGGS3 | 12230 BROOKMEADOW LANE DALLAS, TX 75210 | AFLAC | $101 | — | $101 | 0.16% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $101 | — | $101 | 0.16% |
| BRIAN EDWARD BASS3 | PO BOX 1207 CANTON, TX 75103 | AFLAC | $56 | $11 | $67 | 0.11% |
| RICHARD C MCBRAYER3 | 208 ANN DR MARSHALL, TX 75672 | AFLAC | $65 | — | $65 | 0.10% |
| CYNTHIA VENTRESS3 Filed as: CYNTHIA C VENTRESS | 13939 VINEHILL DR SUGAR LAND, TX 77498 | AFLAC | $64 | — | $64 | 0.10% |
| SHAWN M GRAMMER3 | 8143 FM 1616 ATHENS, TX 75752 | AFLAC | $63 | — | $63 | 0.10% |
| MICHAEL SHANE KIRKLAND3 | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC | $56 | — | $56 | 0.09% |
| CYNTHIA SMITH3 Filed as: CYNTHIA B SMITH | 2430 COUNTY ROAD 4716 TROUP, TX 75672 | AFLAC | $33 | — | $33 | 0.05% |
| SANDRA SHARPE3 Filed as: SANDRA KAY SHARPE | 406 W HILL ST CARHAGE, TX 75633 | AFLAC | $30 | — | $30 | 0.05% |
| RON M LEVINE3 | PO BOX 3996 SOUTH PADRE ISLAND, TX 78209 | AFLAC | $24 | — | $24 | 0.04% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES ROBERT BLAKEY | 221 CALUMET PL SAN ANTONIO, TX 78209 | AFLAC | $23 | — | $23 | 0.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CHARLOTTE WARFORD-BROWN | 1051 GOLF DR BRANSON WEST, MO 65737 | AFLAC | $22 | — | $22 | 0.03% |
| D AND V BUTLER INC3 Filed as: D AND V BUTLER, INC | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $22 | — | $22 | 0.03% |
| TAMELA GALE WELLBORN3 | 117 OLIVER ST DOUGLASSVILLE, TX 75560 | AFLAC | $15 | — | $15 | 0.02% |
| ROY R CHAVERS3 | 2401 BELMONT PL PLANO, TX 75023 | AFLAC | $14 | — | $14 | 0.02% |
| POWELL A JOHNSON III3 | 9074 ELM TREE CIR TYLER, TX 75703 | AFLAC | $10 | — | $10 | 0.02% |
| MICHAEL C WALKER3 Filed as: MICHAEL T RUSHING | 21973 FM 15 TROUP, TX 75789 | AFLAC | $10 | — | $10 | 0.02% |
| PERRY BRADLEY HALL3 | PO BOX 5107 TEXARKANA, TX 75505 | AFLAC | $8 | — | $8 | 0.01% |
| RONALD N GRAVES3 | 831 S FLORES ST STE 2407 SAN ANTONIO, TX 78209 | AFLAC | $8 | — | $8 | 0.01% |
| JARED N JONES3 | 6907 RANCH FOREST DR COLUMBUS, GA 31904 | AFLAC | $8 | — | $8 | 0.01% |
| RICHARD COLE JR.3 Filed as: RICHARD C COLE JR | 2504 PECAN ST TEXARKANA, TX 71854 | AFLAC | $4 | — | $4 | 0.01% |
| CAROLYN J LEE3 | 1412 MAIN ST STE 504 TEXARKANA, TX 75505 | AFLAC | $3 | — | $3 | 0.00% |
| MICHAEL DEAN GIST3 | PO BOX 5107 TEXARKANA, TX 75501 | AFLAC | $2 | — | $2 | 0.00% |
| LARRY W MARONEY3 | 1230 MOUNTAIN BREEZE CANYON LAKE, TX 78133 | AFLAC | $2 | — | $2 | 0.00% |
| RICKY POLSER3 | 1210 COUNTY ROAD LEONARD, TX 75452 | AFLAC | $1 | — | $1 | 0.00% |
| DEBRAH LEE STANLEY3 | 3727 COLONY PARK DR TYLER, TX 75701 | AFLAC | — | — | $0 | 0.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY SUITE #1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $4K | $10K | 15.63% |
| ADVANTAGE HEALTHCARE PLANNING3 | PO BOX 173 SPRING LAKE, NJ 07762 | UNION SECUITY INSURANCE COMPANY | $2K | — | $2K | 10.10% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 200 GALLERIA PARKWAY SUITE #1950 ATLANTA, GA 30339 | EYEMED VISION CARE | $3K | $0 | $3K | 14.95% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY SUITE #1950 ATLANTA, GA 30339 | DENTAL HEALTH SERVICES OF CALIFORNIA | $1K | — | $1K | 10.00% |
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 | 6,445 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 6,445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF AL | 316 | $10.3M |
| Dental(9 contracts, 8 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 850 | $1.1M |
| Vision(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 791 | $266K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 6,445 | $1.9M |
| Short-term disability(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,445 | $2.4M |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,445 | $2.1M |
| Prescription drug(5 contracts) | BLUE CROSS AND BLUE SHIELD OF AL | 316 | $9.2M |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE COMPANY (GMIC) | 4,500 | $886K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,445 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,445 | — |
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.