| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM VENARD CABLE3 | P.O. BOX 660787 BIRMINGHAM, AL 35266 | UNION SECURITY INSURANCE COMPANY | $65K | — | $65K | 9.99% |
| MICHAEL HUNTER3 Filed as: MICHAEL F. HUNTER | P.O. BOX 2826 MUSCLE SHOALS, AL 35662 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $97K | — | $97K | 17.94% |
| MICHAEL HUNTER3 Filed as: MICHAEL F. HUNTER | THE HUNTER BENEFITS GROUP 2415 ROSEDALE SUITE G MUSCLE SHOALS, AL 35661 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $63K | $10K | $73K | 14.68% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | P.O. BOX 93225 CHICAGO, IL 606733225 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 8.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | P.O. BOX 101162 PASADENA, CA 911891162 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 1.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | P.O. BOX 93225 CHICAGO, IL 606733225 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 8.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | P.O. BOX 101162 PASADENA, CA 911891162 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | P.O. BOX 93225 CHICAGO, IL 606733225 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 8.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | P.O. BOX 101162 PASADENA, CA 911891162 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.46% |
| WILLIAM VENARD CABLE3 | 2336 ALTADENA CREST DRIVE HOOVER, AL 35242 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 9.07% |
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 | 1,562 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,562 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY INSURANCE COMPANY | 1,470 | $651K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,382 | $499K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,880 | $171K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,077 | $217K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 519 | $190K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,880 | $713K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,880 | — |
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.