| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 2101 6TH AVENUE N STE 725 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $162K | $20K | $183K | 12.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | 2101 6TH AVENUE N STE 1200 BIRMINGHAM, AL 35203 | DELTA DENTAL INSURANCE COMPANY | $36K | — | $36K | 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 | $12K | — | $12K | 9.98% |
| 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 | 15.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | RSA BATTLE HOUSE TOWER STE 192 11 N WATER ST 19TH FL, STE. 19290 MOBILE, AL 36602 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | RSA BATTLE HOUSE TOWER, STE 192 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 | $1K | — | $1K | 5.27% |
| JOHN F CARTER3 | CAPITAL STRATEGIES GROUP INC. 850 SHADES CREEK PKWY, STE 300 BIRMINGHAM, AL 35209 | METROPOLITAN LIFE INSURANCE COMPANY | $35 | — | $35 | 0.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | PO BOX 2407 MOBILE, AL 36652 | METROPOLITAN LIFE INSURANCE COMPANY | $27 | — | $27 | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY OF LEE CTY | 206 EXCHANGE PLACE HUNTSVILLE, AL 35806 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $720 | — | $720 | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | RSA BATTLE HOUSE TOWER STE 192 11 N WATER ST 19TH FL STE 19290 MOBILE, AL 36602 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $515 | — | $515 | 13.74% |
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 | 1,540 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 25 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,576 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 524 | $514K |
| Vision | HUMANA INSURANCE COMPANY | 1,075 | $120K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,453 | $1.5M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,453 | $1.5M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,453 | $1.5M |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,453 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,453 | — |
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.