| 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 | $36K | — | $36K | 12.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SVC | PO BOX 101162 PASADENA, CA 91189 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 0.86% |
| BLUE CROSS BLUE SHIELD OF FLORIDA Filed as: BLUE CROSS & BLUE SHIELD OF ALABAMA | 450 RIVERCHASE PKWY E HOOVER, AL 352442858 | VISION SERVICE PLAN | $5K | — | $5K | 8.39% |
| ABLE BENEFIT SOLUTIONS | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 352433370 | VISION SERVICE PLAN | $744 | — | $744 | 1.20% |
| TIMOTHY J REED Filed as: TIMOTHY HUDNALL | 4750 AIRPORT BLVD MOBILE, AL 366083134 | VISION SERVICE PLAN | $743 | — | $743 | 1.20% |
| BRADFORD DILLION | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 352433370 | VISION SERVICE PLAN | $193 | — | $193 | 0.31% |
| JOSEPH CLAY WALDEN | 33485 ALDER CIR SPANISH FORT, AL 365279087 | VISION SERVICE PLAN | $192 | — | $192 | 0.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF ALABA EIN 63-0103830 | Contract Administrator; Other services Service code 13 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 352980001 | $373K |
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 | 1,277 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 325 | $62K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,634 | $280K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,634 | $280K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,634 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,634 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.