| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 2101 6TH AVE N STE 725 BIRMINGHAM, AL 35203 | DELTA DENTAL INSURANCE COMPANY | $5K | — | $5K | 0.84% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONADE PKWY STE 150 BIRMINGHAM, AL 35243 | DELTA DENTAL INSURANCE COMPANY | $2K | — | $2K | 0.29% |
| 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 | $74K | — | $74K | 17.28% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONADE PKWY STE 150 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $24K | — | $24K | 5.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INCWILLIS TOWERS | 2101 6TH AVE N STE 725 BIRMINGHAM, AL 35203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | — | $21K | 7.45% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONADE PKWY STE 150 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 2.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 2101 6TH AVE N STE 1200 BIRMINGHAM, AL 35203 | VISION SERVICE PLAN | $16K | $4K | $20K | 9.15% |
| 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 | $12K | — | $12K | 7.44% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PKWY STE 150 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 2.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 2101 6TH AVE N STE 725 BIRMINGHAM, AL 35203 | MUTUAL OF OMAHA INSURANCE COMPANY | $7K | — | $7K | 7.46% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONADE PKWY STE 150 BIRMINGHAM, AL 35243 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | — | $2K | 2.54% |
| 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 | $634K |
| GREAT MIDWEST INSURANCE COMPANY EIN 76-1544296 NONE | Claims processing Service code 12 | — | $367K |
| AMERICAN BEHAVIORAL BENEFITS MNGRS EIN 63-1030881 NONE | Claims processing Service code 12 | 2204 LAKESHORE DRIVE, SUITE 135 BIRMINGHAM, AL 35209 | $180K |
| EXPRESS SCRIPTSS EIN 43-1420563 NONE | Claims processing Service code 12 | — | $123K |
| DELTA DENTAL INSURANCE COMPANY EIN 94-2761537 NONE | Claims processing Service code 12 | — | $64K |
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 | 1,116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 69 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 2,972 | $601K |
| Vision | VISION SERVICE PLAN | 1,061 | $220K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,371 | $592K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,247 | $624K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,347 | $539K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,972 | — |
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.