| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | SHELTERPOINT INSURANCE | $84K | — | $84K | 15.00% |
| PROVIDENCE BENEFITS3 Filed as: PROVIDENCE BENEFITS LLC | 2000 PROVIDENCE PARK STE 200 BIRMINGHAM, AL 35242 | SHELTERPOINT INSURANCE | $39K | — | $39K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 | — | DELTA DENTAL INSURANCE COMPANY | $32K | — | $32K | 8.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC SE | — | GLOBAL LIFE AND ACCIDENT INSURANCE COMPANY | — | $50K | $50K | 15.00% |
| PROVIDENCE BENEFITS3 | — | GLOBAL LIFE AND ACCIDENT INSURANCE COMPANY | — | $30K | $30K | 8.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 WEST 10TH STREET WEST POINT, GA 31833 | STANDARD INSURANCE COMPANY | $32K | — | $32K | 11.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | — | $5K | $5K | 1.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 WEST 10TH STREET WEST POINT, GA 31833 | STANDARD INSURANCE COMPANY | $16K | — | $16K | 8.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | — | $512 | $512 | 0.27% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 WEST 10TH STREET WEST POINT, GA 31833 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 12.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 11 N. WATER ST. 19 FL STE 19290 MOBILE, AL 36602 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.34% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | — | $531 | $531 | 0.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 206 EXCHANGE PL NW HUNTSVILLE, AL 35806 | AMERITAS LIFE INSURANCE CORP. | $9K | — | $9K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 KIMBALL PL STE 300 ALPHARETTA, GA 30009 | AMERITAS LIFE INSURANCE CORP. | — | $2K | $2K | 1.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 WEST 10TH STREET WEST POINT, GA 31833 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | — | $377 | $377 | 2.83% |
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 | 791 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 805 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,154 | $6.5M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,499 | $400K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 2,208 | $88K |
| Life insurance | STANDARD INSURANCE COMPANY | 861 | $277K |
| Short-term disability(2 contracts, 2 carriers) | GLOBAL LIFE AND ACCIDENT INSURANCE COMPANY | 702 | $349K |
| Long-term disability | STANDARD INSURANCE COMPANY | 791 | $193K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,154 | $5.9M |
| Other(4 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 3,956 | $6.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,956 | — |
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."
No prospect flags tripped on this filing.