| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 2101 6TH AVE NORTH FL 7 STE 725 BIRMINGHAM, AL 35203 | METROPOLITAN LIFE INSURANCE COMPANY | $228K | $28 | $228K | 11.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TN INC | 26 CENTURY BLVD C/O J P MORGAN CHASE NASHVILLE, TN 37214 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31K | $31K | 1.58% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON | 3800 COLONNADE PKWY STE 150 BIRMINGHAM, AL 35243 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $71 | $23K | 1.21% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY SUITE #1950 ATLANTA, GA 30339 | HEALTH NET | $74K | — | $74K | 5.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 2101 6TH AVE NORTH FL 7 STE 725 BIRMINGHAM, AL 35203 | HCC LIFE INSURANCE COMPANY | $95K | $6K | $101K | 7.87% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3800 COLONNADE PARKWAY SUITE 150 BIRMINGHAM, AL 35243 | HCC LIFE INSURANCE COMPANY | $36K | $0 | $36K | 2.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | PO BOX 101162 PASADENA, CA 91189 | HCC LIFE INSURANCE COMPANY | $0 | $11K | $11K | 0.87% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY SUITE #1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN INC | $25K | — | $25K | 5.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 2101 6TH AVE NORTH FL 7 STE 725 BIRMINGHAM, AL 35203 | DELTA DENTAL INSURANCE CO | $11K | $0 | $11K | 4.33% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3800 COLONNADE PKWY STE 150 BIRMINGHAM, AL 35243 | DELTA DENTAL INSURANCE CO | $3K | $0 | $3K | 1.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | RSA BATTLE HOUSE TOWER 11 N WATER ST 12 FL STE 19290 MOBILE, AL 36602 | STANDARD INSURANCE COMPANY | $19K | — | $19K | 7.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | ATTN WILLIS TOWERS WATSON SE PO BOX 730418 DALLAS, TX 75373 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 1.40% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $447 | — | $447 | 0.18% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 30374 | STANDARD INSURANCE COMPANY | $405 | — | $405 | 0.17% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NW SUITE 100 ROCHESTER, MN 55901 | DELTA DENTAL OF IOWA | $6K | — | $6K | 3.05% |
| BERNIE LOWE & ASSOCIATES INC3 Filed as: BERNIE LOWE & ASSOCIATES, INC | 1555 SE DELAWARE AVENUE SUITE A ANKENY, IA 50021 | DELTA DENTAL OF IOWA | $1K | $3K | $4K | 1.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 2101 6TH AVE NORTH FL 7 STE 725 BIRMINGHAM, AL 35203 | AMERITAS LIFE INSURANCE CORP OF NEW YORK | $13K | — | $13K | 8.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC | PO BOX 5002 SHORT HILLS, NJ 07078 | AMERITAS LIFE INSURANCE CORP OF NEW YORK | — | $7K | $7K | 4.14% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3800 COLONNADE PKWY STE 150 BIRMINGHAM, AL 35243 | AMERITAS LIFE INSURANCE CORP OF NEW YORK | $3K | — | $3K | 1.84% |
| ADVANTAGE HEALTHCARE PLANNING3 | PO BOX 173 SPRING LAKE, NJ 07762 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 5.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SO | PO BOX 2158 RIVERSIDE, CA 92516 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 1.16% |
| MCGRIFF INSURANCE SERVICES INC3 | 1150 JULIAN DR WATKINSVILLE, GA 30677 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 2211 7TH AVE S BIRMINGHAM, AL 35233 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 4.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SO | PO BOX 2158 RIVERSIDE, CA 92516 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 1.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 2101 6TH AVE NORTH FL 7 STE 725 BIRMINGHAM, AL 35203 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $28 | $9K | 8.84% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3800 COLONNADE PKWY STE 150 BIRMINGHAM, AL 35243 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $71 | $3K | 2.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD J P MORGAN CHASE NASHVILLE, TN 37214 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.04% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE #1950 ATLANTA, GA 30339 | GUARDIAN | $14K | — | $14K | 15.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD STE 300 KIRKWOOK, MO 63122 | GUARDIAN | $5K | — | $5K | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO LLC | DBA DAWSON INSURANCE 4404 TIMBER COMMONS DR STE 107 SANDUSKY, OH 44870 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 9.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: A P BENEFIT ADVISORS LLC | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.08% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 2305 RIVER RD LOUISVILLE, KY 40206 | PRINCIPAL LIFE INSURANCE COMPANY | — | $857 | $857 | 1.09% |
| NORTH RISK PARTNERS LLC3 | 615 HORSESHOE DR STE G GRINNELL, IA 50112 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 5.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | PO BOX 730416 DALLAS, TX 75373 | PRUDENTIAL | $7K | — | $7K | 25.88% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 30374 | PRUDENTIAL | $2K | — | $2K | 8.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS | SVCS WEST INC PO BOX 101162 PASADENA, CA 91189 | PRUDENTIAL | $1K | — | $1K | 5.26% |
| IMG5 | 2960 NORTH MERIDIAN ST INDIANAPOLIS, IN 46208 | PRUDENTIAL | — | $13 | $13 | 0.05% |
| SCOTT GOLDMAN3 | 94 TARPON DR SEA GIRT, NJ 08750 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 15.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 2101 6TH AVE NORTH FL 7 STE 725 BIRMINGHAM, AL 35203 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $28 | $1K | 13.58% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3800 COLONNADE PKWY STE 150 BIRMINGHAM, AL 35243 | METROPOLITAN LIFE INSURANCE COMPANY | $184 | $71 | $255 | 2.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD C/O J P MORGAN CHASE NASHVILLE, TN 37214 | METROPOLITAN LIFE INSURANCE COMPANY | — | $196 | $196 | 1.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF TENNESSEE EIN 62-0812197 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 240 VENTURE CIR NASHVILLE, TN 37228 | $21K |
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 | 6,181 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 6,181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 808 | $7.1M |
| Dental(11 contracts, 8 carriers) | DELTA DENTAL INSURANCE CO | 943 | $1.4M |
| Vision(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 2,093 | $2.2M |
| Life insurance(6 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,181 | $2.2M |
| Short-term disability(6 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,181 | $2.3M |
| Long-term disability(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,181 | $2.2M |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF ALABAMA | 808 | $5.3M |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 4,193 | $1.3M |
| Other(6 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,181 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,181 | — |
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.