| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | PO BOX 2407 MOBILE, AL 36652 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $42 | $5K | 15.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | PO BOX 2047 MOBIE, AL 36652 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $642 | $642 | 1.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC-MOBILE | 11 N WATER S 19TH FLOOR SUITE 19290 MOBILE, AL 36602 | HUMANA INSURANCE COMPANY | $611 | — | $611 | 9.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SERVICES OF GA INC | 1 GLENLAKE PRKWY 11TH FL ATLANTA, GA 30328 | HUMANA INSURANCE COMPANY | $55 | — | $55 | 0.90% |
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 | 218 | 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) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 109 | $565K |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 109 | $565K |
| Vision | HUMANA INSURANCE COMPANY | 45 | $6K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 218 | $36K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 218 | $36K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 218 | $36K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 109 | $565K |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 218 | $601K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.