| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2102 6TH AVENUE N STE 725 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | $11K | $47K | 27.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVE N BIRMINGHAM, AL 35203 | EYEMED | $12K | — | $12K | 12.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | PO BOX 730416 DALLAS, TX 753730416 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 11.48% |
| JOHN WEBSTER3 Filed as: JOHN B WEBSTER | PO BOX 36190 BIRMINGHAM, AL 35236 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 5.59% |
| JASON GAYDON3 Filed as: JASON O LEWIS | 3442 SAWYER DRIVE HOOVER, AL 35226 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.04% |
| SPURGEON C SMITH3 | 8924 GLEN ROSE WAY MONTGOMERY, AL 36117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.02% |
| AHL-ALLSTATE3 Filed as: AHL-THE BENEFIT SOURCE INC | 1776 AHL DR JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVE NORTH SUITE 1200 BIRMINGHAM, AL 35203 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 13.80% |
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 | 1,122 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 2,040 | $400K |
| Vision | EYEMED | 1,706 | $91K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,055 | $52K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,055 | $52K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,055 | $52K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,055 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,040 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.