| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | HRH GROUP SERVICES, P.O. BOX 10608 BIRMINGHAM, AL 352020408 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $2K | $6K | 2.76% |
| UTIC INSURANCE COMPANY3 | 450 RIVERCHASE PKWY E BIRMINGHAM, AL 35244 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | — | $20K | 10.00% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | 405 E SAINT PETER ST NEW IBERIA, LA 70560 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 1.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | HRH GROUP SERVICES, P.O. BOX 10608 BIRMINGHAM, AL 352020408 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $515 | $10K | 16.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | HRH GROUP SERVICES, P.O. BOX 10608 BIRMINGHAM, AL 352020408 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $340 | $7K | 17.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | HRH GROUP SERVICES, P.O. BOX 10608 BIRMINGHAM, AL 352020408 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $192 | $4K | 17.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF AL EIN 63-0103830 NONE | Contract Administrator Service code 13 | 450 RIVERCHASE PARKWAY EAST PO BOX BIRMINGHAM, AL 352980001 | $300K |
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 | 439 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 97 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 536 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 370 | $162K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 517 | $230K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 296 | $101K |
| Prescription drug | RX BENEFITS, INC | 414 | $0 |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 466 | $197K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 439 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 517 | — |
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.