| 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 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $62K | $9K | $71K | 10.30% |
| LOCKTON COMPANIES, LLC3 | 325 N OLD WOODWARD AVENUE, STE 370 BIRMINGHAM, MI 48009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | — | $20K | 2.97% |
| UTIC INSURANCE COMPANY3 | 450 RIVERCHASE PKWY E BIRMINGHAM, AL 35244 | SUN LIFE ASSURANCE COMPANY OF CANADA | $52K | — | $52K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SERV | 525 MARKET ST SUITE 3400 SAN FRANCISCO, CA 94105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $31K | — | $31K | 6.00% |
| 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 | $36K | $9K | $45K | 11.13% |
| LOCKTON COMPANIES, LLC3 | 325 N OLD WOODWARD AVENUE, STE 370 BIRMINGHAM, MI 48009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 3.04% |
| 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 | $34K | $9K | $43K | 11.30% |
| LOCKTON COMPANIES, LLC3 | 325 N OLD WOODWARD AVENUE, STE 370 BIRMINGHAM, MI 48009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 3.00% |
| 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 | $28K | $8K | $36K | 11.60% |
| LOCKTON COMPANIES, LLC3 | 325 N OLD WOODWARD AVENUE, STE 370 BIRMINGHAM, MI 48009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 3.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 2101 6TH AVE N STE 1200 BIRMINGHAM, AL 352032775 | VISION SERVICE PLAN | $23K | $8K | $31K | 10.09% |
| 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 | $24K | $6K | $29K | 16.12% |
| LOCKTON COMPANIES, LLC3 | 325 N OLD WOODWARD AVENUE, STE 370 BIRMINGHAM, MI 48009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 3.97% |
| 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 | $13K | $3K | $16K | 15.64% |
| LOCKTON COMPANIES, LLC3 | 325 N OLD WOODWARD AVENUE, STE 370 BIRMINGHAM, MI 48009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 3.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WECARE THIRD PARTY ADMINISTRAT | Claims processing Service code 12 | 120 INTERNATIONAL PARKWAY SUITE 220 LAKE MARY, FL 32746 | $1.8M |
| BLUECROSS BLUESHIELD OF ALABAMA EIN 63-0103830 THIRD PARTY ADMINISTRATO | Claims processing Service code 12 | 450 RIVERCHASE PKWY E, PO BOX 995 BIRMINGHAM, AL 35298 | $1.6M |
| AMERICAN BEHAVIORAL BENEFIT MGRS EIN 63-1030881 THIRD PARTY ADMINISTRATO | Claims processing Service code 12 | 2204 LAKESHORE DRIVE, STE 135 BIRMINGHAM, AL 35209 | $882K |
| DELTA DENTAL INSURANCE COMPANY EIN 94-2761537 THIRD PARTY ADMINISTRATO | Claims processing Service code 12 | PO BOX 1809 ALPHARETTA, GA 30023 | $274K |
| HEALTHGROUP OF ALABAMA OHG HSV EIN 26-0811369 ONSITE MEDICAL SERVICE | Other services Service code 49 | 1963 MEMORIAL PARKWAY STE 24 HUNTSVILLE, AL 35801 | $168K |
| RXBENEFITS, INC EIN 63-1157085 THIRD PARTY ADMINISTRATO | Claims processing Service code 12 | — | $34K |
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 | 2,445 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 72 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,517 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,170 | $307K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,067 | $1.1M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,067 | $309K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,131 | $379K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,465 | $521K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,067 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,067 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.