| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $95 | $13K | 8.31% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | 2101 6TH AVENUE N, SUITE 725 BIRMINGHAM, AL 35203 | METROPOLITAN LIFE INSURANCE COMPANY | $640 | $92 | $732 | 0.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | PO BOX 2407 MOBILE, AL 36652 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $115 | $115 | 0.07% |
| LOCKTON COMPANIES, LLC3 | 3601 SW 160TH AVENUE, SUITE 200 MIRAMAR, FL 33027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $0 | $19K | 13.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | 2101 6TH AVENUE N, SUITE 725 BIRMINGHAM, AL 35203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 3.91% |
| LOCKTON COMPANIES, LLC3 | 2640 GOLDEN GATE PARWKAY, SUITE 201 NAPLES, FL 34105 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.05% |
| MICHAEL R COWART3 Filed as: MICHAEL R. COWART | 3662 DAUPHIN STREET, SUITE C MOBILE, AL 36608 | COMPANION LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.17% |
| PROVIDENCE ADVISORS LLC3 Filed as: PROVIDENCE BENEFITS LLC | 2000 PROVIDENCE PARK, SUITE 200 BIRMINGHAM, AL 35242 | COMPANION LIFE INSURANCE COMPANY | $866 | $0 | $866 | 7.47% |
| FIRST PROTECTIVE INSURANCE GROUP3 | 600 LUCKIE DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | COMPANION LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.07% |
| JOHN JONES JR3 Filed as: JOHN JONES JR. | 9499 THOROUGHBRED RUN FAIRHOPE, AL 36532 | AFLAC | $3K | $277 | $3K | 34.85% |
| PETE CANARELA3 | 21036 A STATE HIGHWAY 181 SUITE 102B FAIRHOPE, AL 36532 | AFLAC | $404 | $55 | $459 | 5.23% |
| ASHLEY CROOK3 | 10167 SUMMERLAKE DRIVE MOBILE, AL 36608 | AFLAC | $250 | $55 | $305 | 3.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: DEBORAH WILLIS | PO BOX 234 ORANGE BEACH, AL 36561 | AFLAC | $86 | $0 | $86 | 0.98% |
| SUPPLEMENTAL SPECIALISTS INC3 Filed as: SUPPLEMENTAL SPEC. AND OTHER AGENTS | PO BOX 234 ORANGE BEACH, AL 36561 | AFLAC | $43 | $0 | $43 | 0.49% |
| BRENDA WALLACE3 | PO BOX 1355 BAY MINETTE, AL 36507 | AFLAC | $26 | $0 | $26 | 0.30% |
| SAIC INC3 Filed as: SAIC INC. | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $24 | $0 | $24 | 0.27% |
| JOHN JONES JR3 Filed as: JOHN JONES JR. | 9499 THOROUGHBRED RUN FAIRHOPE, AL 36532 | AFLAC | $243 | $30 | $273 | 24.86% |
| PETE CANARELA3 | 21036A STATE HIGHWAY 181 SUITE 102B FAIRHOPE, AL 36532 | AFLAC | $38 | $6 | $44 | 4.01% |
| ASHLEY CROOK3 | 10167 SUMMERLAKE DRIVE MOBILE, AL 36608 | AFLAC | $24 | $6 | $30 | 2.73% |
| GEORGE C WALLACE3 Filed as: GEORGE WALLACE | PO BOX 1355 BAY MINETTE, AL 36507 | AFLAC | $25 | $0 | $25 | 2.28% |
| MJ INSURANCE3 Filed as: SAIC INC. AND VARIOUS AGENTS | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $19 | $0 | $19 | 1.73% |
| RONALD EUGENE WALLACE3 Filed as: RONALD WALLACE | PO BOX 1355 BAY MINETTE, AL 36507 | AFLAC | $11 | $0 | $11 | 1.00% |
| BRENDA WALLACE3 | PO BOX 1355 BAY MINETTE, AL 36507 | AFLAC | $10 | $0 | $10 | 0.91% |
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 | 580 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 580 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 597 | $162K |
| Vision | VISION SERVICE PLAN | 177 | $25K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 580 | $141K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 580 | $141K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 580 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 597 | — |
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.