| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC. | 2101 6TH AVENUE NORTH SUITE 700 BIRMINGHAM, AL 35203 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $52K | $11K | $63K | 9.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC. | 2101 6TH AVENUE NORTH SUITE 700 BIRMINGHAM, AL 35203 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $40K | $7K | $47K | 10.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC | 2101 6TH AVE N STE 1200 BIRMINGHAM, AL 352032775 | VISION SERVICE PLAN | $20K | — | $20K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC. | 2101 6TH AVENUE NORTH SUITE 700 BIRMINGHAM, AL 35203 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $3K | — | $3K | 9.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVENUE NORTH SUITE 700 BIRMINGHAM, AL 35203 | DELTA DENTAL INSURANCE COMPANY | $7K | — | $7K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF AL EIN 63-0103830 NONE | Claims processing Service code 12 | 450 RIVERCHASE PARKWAY EAST P. O. BOX 995 BIRMNGHAM, AL 35298 | $580K |
| AMERICAN BEHAVIORAL BENEFITS MNGRS EIN 63-1030881 NONE | Claims processing Service code 12 | 22014 LAKESHORE DRIVE, SUITE 135 BIRMINGHAM, AL 35209 | $188K |
| DELTA DENTAL INSURANCE COMPANY EIN 94-2761537 NONE | Claims processing Service code 12 | — | $61K |
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 | 1,055 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,092 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 2,893 | $0 |
| Vision | VISION SERVICE PLAN | 1,143 | $203K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,309 | $651K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,259 | $438K |
| Stop-loss / reinsurancereinsurance | HIIG/GREAT MIDWEST INSURANCE COMPANY | 1,092 | $273K |
| Other(2 contracts) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,309 | $679K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,893 | — |
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.