| 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 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $132K | $16K | $148K | 11.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | 2101 6TH AVENUE N STE 1200 BIRMINGHAM, AL 35203 | DELTA DENTAL INSURANCE COMPANY | $39K | — | $39K | 7.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC BIRMINGHAM | 2101 6TH AVENUE N STE 725 BIRMINGHAM, AL 35203 | HUMANA | $11K | — | $11K | 9.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SERVICES OF GA INC | 1 GLENLAKE PKWY 11TH FL ATLANTA, GA 30328 | HUMANA | — | $540 | $540 | 0.48% |
| 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 | 14.86% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC. | RSA BATTLE HOUSE TOWER 11 N WATER ST 19TH FL, STE. 19290 MOBILE, AL 36602 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.95% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMP. GRP SOUTHEAST LLC | 3445 PEACHTREE RD NE SUITE 200 ATLANTA, GA 30326 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | PO BOX 2407 MOBILE, AL 36652 | METROPOLITAN LIFE INSURANCE COMPANY | $322 | — | $322 | 1.02% |
| PATRICK L TRAMMELL JR.3 | 2 METROPLEX DR SUITE 202 BIRMINGHAM, AL 35209 | METROPOLITAN LIFE INSURANCE COMPANY | $101 | — | $101 | 0.32% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | METROPOLITAN LIFE INSURANCE COMPANY | $34 | — | $34 | 0.11% |
| JOHN F CARTER3 | CAPITAL STRATEGIES GROUP INC. 850 SHADES CREEK PKWY, STE 300 BIRMINGHAM, AL 35209 | METROPOLITAN LIFE INSURANCE COMPANY | $32 | — | $32 | 0.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC. | RSA BATTLE HOUSE TOWER 11 N WATER ST 19TH FL STE 19290 MOBILE, AL 36602 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 19.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA | RSA BATTLE HOUSE TRAVEL TOWER 11 N WATER ST 19TH FL STE 19290 MOBILE, AL 36602 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $469 | — | $469 | 15.01% |
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 | 1,543 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 33 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,588 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 573 | $559K |
| Vision | HUMANA | 1,029 | $112K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,455 | $1.3M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,455 | $1.3M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,455 | $1.3M |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,455 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,455 | — |
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.