| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | SHELTERPOINT INSURANCE | $114K | — | $114K | 15.00% |
| PROVIDENCE ADVISORS LLC3 Filed as: PROVIDENCE BENEFITS LLC | 2000 PROVIDENCE PARK STE 200 BIRMINGHAM, AL 35242 | SHELTERPOINT INSURANCE | $53K | — | $53K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 | — | DELTA DENTAL INSURANCE COMPANY | $26K | — | $26K | 8.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 WEST 10TH STREET WEST POINT, GA 31833 | STANDARD INSURANCE COMPANY | $34K | $6K | $41K | 13.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 WEST 10TH STREET WEST POINT, GA 31833 | STANDARD INSURANCE COMPANY | $35K | — | $35K | 22.48% |
| 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 | $11K | $474 | $12K | 7.49% |
| JOHN THOMPSON3 | 306 W. WALL ST. STE 811 MIDLAND, TX 79701 | STANDARD INSURANCE COMPANY | -$880 | — | -$880 | -0.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 206 EXCHANGE PL NW HUNTSVILLE, AL 35806 | AMERITAS LIFE INSURANCE CORP. | $10K | — | $10K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 BLDG 1 DULUTH, GA 30097 | AMERITAS LIFE INSURANCE CORP. | — | $1K | $1K | 1.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 WEST 10TH STREET WEST POINT, GA 31833 | STANDARD INSURANCE COMPANY | $5K | $712 | $6K | 17.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 WEST 10TH STREET WEST POINT, GA 31833 | STANDARD INSURANCE COMPANY | $3K | $375 | $3K | 16.79% |
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 | 889 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 902 | 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 | 1,095 | $5.7M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,419 | $329K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 2,123 | $96K |
| Life insurance | STANDARD INSURANCE COMPANY | 791 | $300K |
| Short-term disability | STANDARD INSURANCE COMPANY | 105 | $20K |
| Long-term disability | STANDARD INSURANCE COMPANY | 739 | $33K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,095 | $5.0M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 4,516 | $5.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,516 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.