| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 11 N WATER ST STE 19 MOBILE, AL 36602 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24K | — | $24K | 14.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 11 N WATER ST STE 19 MOBILE, AL 36602 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 16.94% |
| ABLE BENEFIT SOLUTIONS3 | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | VISION SERVICE PLAN | $992 | — | $992 | 1.95% |
| TIMOTHY J REED3 Filed as: TIMOTHY HUDNALL | 4750 AIRPORT BLVD MOBILE, AL 36608 | VISION SERVICE PLAN | $992 | — | $992 | 1.95% |
| JOSEPH CLAY WALDEN3 | 33485 ALDER CIR SPANISH FORT, AL 36527 | VISION SERVICE PLAN | $252 | — | $252 | 0.49% |
| BRADFORD DILLION3 | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | VISION SERVICE PLAN | $252 | — | $252 | 0.49% |
| TIMOTHY J REED3 Filed as: TIMOTHY HUDNALL | 4750 AIRPORT BLVD MOBILE, AL 36608 | VISION SERVICE PLAN | $15 | — | $15 | 0.03% |
| ABLE BENEFIT SOLUTIONS3 | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | VISION SERVICE PLAN | $15 | — | $15 | 0.03% |
| BRADFORD DILLION3 | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | VISION SERVICE PLAN | $4 | — | $4 | 0.01% |
| JOSEPH CLAY WALDEN3 | 33485 ALDER CIR SPANISH FORT, AL 36527 | VISION SERVICE PLAN | $4 | — | $4 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 3280 DAUPHIN STE B127 A MOBILE, AL 36606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 2101 6TH AVE N #725 BIRMINGHAM, AL 35203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 3280 DAUPHIN STE B127 A MOBILE, AL 36606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $893 | $893 | 4.25% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS-ALLEN & HALL INC | STE 200 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $136 | — | $136 | 1.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 82228 MOBILE, AL 36689 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 82228 MOBILE, AL 36689 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $133 | — | $133 | 3.20% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS-ALLEN & HALL INC | STE 200 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $95 | — | $95 | 2.28% |
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 | 970 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 970 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | VISION SERVICE PLAN | 381 | $99K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,097 | $93K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,082 | $188K |
| Other(5 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,097 | $264K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,097 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.