| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC. | 2101 6TH AVENUE N SUITE 1200 BIRMINGHAM, AL 35203 | DELTA DENTAL INSURANCE COMPANY | $36K | — | $36K | 7.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC. | 2101 6TH AVENUE N SUITE 725 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37K | $4K | $41K | 13.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVE N STE 725 BIRMINGHAM, AL 35203 | AMERITAS LIFE INSURANCE CORP. | $8K | — | $8K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC | 214 N TYRON ST. CHARLOTTE, NC 28282 | AMERITAS LIFE INSURANCE CORP. | — | $2K | $2K | 2.87% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S SUITE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 6.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVENUE N SUITE 725 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $271 | — | $271 | 0.55% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS INC. | 2211 7TH AVE S BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.07% |
| MAHONEY, WILLIAM, EDWARD3 | THE INTERNATIONAL BUILDING 2455 E SUNRISE BLVD, STE. 300 FT. LAUDERDALE, FL 33304 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON CORP. OF BIRMINGHAM | 2101 6TH AVE N SUITE 1200 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST. S SUITE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.97% |
| 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 | $363 | — | $363 | 1.25% |
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 | 1,301 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 35 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,325 | $472K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 2,835 | $83K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 826 | $350K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 826 | $300K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 826 | $379K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,835 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.