| 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 | $40K | — | $40K | 8.00% |
| 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 | $51K | $5K | $56K | 13.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVE N STE 725 BIRMINGHAM, AL 35203 | AMERITAS LIFE INSURANCE CORP. | $11K | — | $11K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC | 214 N TYRON ST. SUITE 2500 CHARLOTTE, NC 28202 | AMERITAS LIFE INSURANCE CORP. | — | $2K | $2K | 1.46% |
| 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 | $4K | $329 | $4K | 5.35% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S SUITE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 4.10% |
| MAHONEY, WILLIAM, EDWARD3 | THE INTERNATIONAL BUILDING 2455 E SUNRISE BLVD, STE. 300 FT. LAUDERDALE, FL 33304 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.05% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS INC. | 2211 7TH AVE S BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.04% |
| 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 | $13 | — | $13 | 0.02% |
| 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 | $3K | $222 | $3K | 6.38% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST. S SUITE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.80% |
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 | 1,305 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 24 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,199 | $494K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 2,486 | $114K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 942 | $492K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 942 | $410K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 942 | $543K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,486 | — |
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.