| 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 | $146K | $18K | $165K | 10.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | 2101 6TH AVENUE N STE 1200 BIRMINGHAM, AL 35203 | DELTA DENTAL INSURANCE COMPANY | $42K | — | $42K | 7.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC BIRMINGHAM | 2101 6TH AVENUE N STE 725 BIRMINGHAM, AL 35203 | HUMANA INSURANCE COMPANY | $13K | $205 | $13K | 10.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SERVICES OF GA INC | 1 GLENLAKE PKWY 11TH FL ATLANTA, GA 30328 | HUMANA INSURANCE COMPANY | — | $312 | $312 | 0.25% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE M MCCULLUGH | 14715 NE 95TH ST STE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 14.39% |
| 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 | 4.80% |
| 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 | $7K | — | $7K | 20.00% |
| 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 | $254 | $2K | 6.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | PO BOX 2407 MOBILE, AL 36652 | METROPOLITAN LIFE INSURANCE COMPANY | $302 | — | $302 | 1.15% |
| JOHN F CARTER3 | CAPITAL STRATEGIES GROUP INC. 850 SHADES CREEK PKWY, STE 300 BIRMINGHAM, AL 35209 | METROPOLITAN LIFE INSURANCE COMPANY | $31 | — | $31 | 0.12% |
| PATRICK L TRAMMELL JR.3 | 2 METROPLEX DR SUITE 202 BIRMINGHAM, AL 35209 | METROPOLITAN LIFE INSURANCE COMPANY | $17 | — | $17 | 0.06% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | METROPOLITAN LIFE INSURANCE COMPANY | $7 | — | $7 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY OF LEE CTY | 10 INVERNESS CENTER PKWY BIRMINGHAM, AL 35242 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| 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 | $523 | — | $523 | 16.20% |
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 | 1,595 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 56 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,665 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $14K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 588 | $601K |
| Vision | HUMANA INSURANCE COMPANY | 1,110 | $126K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,229 | $1.6M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,229 | $1.6M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,229 | $1.6M |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,229 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,229 | — |
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.