| 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 | — | $4K | 1.62% |
| COBBS ALLEN & HALL INC | PO BOX 530847 BIRMINGHAM, AL 35223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 1.14% |
| UTIC INSURANCE COMPANY3 | 450 RIVERCHASE PKWY E BIRMINGHAM, AL 35244 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | — | $16K | 9.96% |
| REGIONS INSURANCE INC3 | 405 E SAINT PETER ST NEW IBERIA, LA 70560 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 3.30% |
| 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 | $7K | — | $7K | 12.56% |
| COBBS ALLEN & HALL INC | PO BOX 530847 BIRMINGHAM, AL 35223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 2.43% |
| 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 | — | $4K | 8.61% |
| COBBS ALLEN & HALL INC | PO BOX 530847 BIRMINGHAM, AL 35223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 6.39% |
| COBBS ALLEN & HALL INC | PO BOX 530847 BIRMINGHAM, AL 35223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $597 | — | $597 | 2.70% |
| 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 | — | — | $0 | 0.00% |
| 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 | $339K |
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 | 472 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 87 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 559 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 430 | $217K |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 430 | $217K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 550 | $252K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 332 | $96K |
| Prescription drug | RX BENEFITS, INC | 431 | $0 |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 479 | $161K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 468 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 550 | — |
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.