| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC. | 2101 6TH AVENUE N STE 725 BIRMINGHAM, AL 35209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $85K | $12K | $97K | 10.52% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | 2101 6TH AVENUE N STE 1200 BIRMINGHAM, AL 35203 | DELTA DENTAL INSURANCE COMPANY | $21K | — | $21K | 7.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | 14800 FRYE RD STE 730371 FORT WORTH, TX 76155 | KAISER FOUNDATION HEALTH PLAN INC. | $4K | — | $4K | 2.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC. | 2101 6TH AVENUE N. STE 1200 BIRMINGHAM, AL 35203 | COMPBENEFITS | $6K | — | $6K | 6.28% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE M MCCULLUGH | 14715 NE 95TH ST STE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 15.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC. | RSA BATTLE HOUSE TOWER, STE. 192 11 NWATER ST 19THFL, STE. 19290 MOBILE, AL 36602 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $230 | $4K | 5.37% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMP. GRP SOUTHEAST LLC | 3445 PEACHTREE RD NE SUITE 200 ATLANTA, GA 30326 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $2K | $11K | 27.14% |
| PATRICK L TRAMMELL JR.3 | 2 METROPLEX DR SUITE 202 BIRMINGHAM, AL 35209 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC. | 1250 S CAPITAL OF TEXAS HWY BLDG 2 SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.74% |
| JOHN F CARTER3 | CAPITAL STRATEGIES GROUP INC. 850 SHADES CREEK PKWY, SUITE 300 BIRMINGHAM, AL 35209 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 2.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | PO BOX 2407 MOBILE, AL 36652 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 2.54% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS INC. | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | METROPOLITAN LIFE INSURANCE COMPANY | $299 | — | $299 | 0.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC. | RSA BATTLE HOUSE TOWER STE 192 11 NWATER ST 19TH FL STE 19290 MOBILE, AL 36602 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $393 | $7K | 21.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | 10 INVERNESS CENTER PKWY, SUITE 400 BIRMINGHAM, AL 35242 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $720 | — | $720 | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA | RSA BATTLE HOUSE TRAVEL TOWER, STE 11 NWATER ST 19TH FL STE 19290 MOBILE, AL 36602 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $456 | $38 | $494 | 16.65% |
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 | 1,059 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,069 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 22 | $175K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 775 | $296K |
| Vision | COMPBENEFITS | 658 | $96K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,635 | $922K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,635 | $922K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,635 | $922K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,635 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,635 | — |
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.