| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVE N STE 725 BIRMINGHAM, AL 35203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 1.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVE N STE 725 BIRMINGHAM, AL 35203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $81K | $9K | $89K | 21.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 2101 6TH AVE N STE 725 BIRMINGHAM, AL 35203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | — | $15K | 3.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVE N STE 725 BIRMINGHAM, AL 35203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $24K | $9K | $32K | 11.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 2101 6TH AVE N STE 725 BIRMINGHAM, AL 35203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 1.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC | 2101 6TH AVE N STE 1200 BIRMINGHAM, AL 352032775 | VISION SERVICE PLAN | $11K | — | $11K | 5.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 2101 6TH AVE N STE 725 BIRMINGHAM, AL 35203 | VISION SERVICE PLAN | $10K | — | $10K | 4.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVE N STE 725 BIRMINGHAM, AL 35203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $5K | $19K | 11.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 2101 6TH AVE N STE 725 BIRMINGHAM, AL 35203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 1.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVE N STE 725 BIRMINGHAM, AL 35203 | MUTUAL OF OMAHA INSURANCE COMPANY | $8K | — | $8K | 8.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 2101 6TH AVE N BIRMINGHAM, AL 35203 | DELTA DENTAL INSURANCE COMPANY | $6K | — | $6K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF AL EIN 63-0103830 NONE | Claims processing Service code 12 | 450 RIVERCHASE PARKWAY, PO BOX 995 BIRMINGHAM, AL 352980001 | $585K |
| GREAT MIDWEST INSURANCE COMPANY EIN 76-1544296 NONE | Claims processing Service code 12 | — | $344K |
| AMERICAN BEHAVIORAL BENEFITS MNGRS EIN 63-1030881 NONE | Claims processing Service code 12 | 2204 LAKESHORE DRIVE, SUITE 135 BIRMINGHAM, AL 35209 | $143K |
| EXPRESS SCRIPTSS EIN 43-1420563 NONE | Claims processing Service code 12 | — | $100K |
| DELTA DENTAL INSURANCE COMPANY EIN 94-2761537 NONE | Claims processing Service code 12 | — | $60K |
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 | 980 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 89 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,069 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 2,769 | $0 |
| Vision | VISION SERVICE PLAN | 966 | $212K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,222 | $163K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,155 | $640K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,256 | $950K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,769 | — |
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.