| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC | 11 N. WATER ST. 19TH FLOOR STE 19290 MOBILE, AL 36602 | KAISER FOUNDATION HEALTH PLAN INC | $34K | $1K | $35K | 5.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | PO BOX 2407 MOBILE, AL 36652 | UNION SECURITY INSURANCE COMPANY | $66K | $3K | $69K | 18.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | PO BOX 730371 DALLAS, TX 75373 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $13K | 17.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | PO BOX 730371 DALLAS, TX 75373 | UNUM INSURANCE COMPANY | $3K | $387 | $3K | 18.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS | 233 SOUTH WACKER DR. SUITE 1875 CHICAGO, IL 60606 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 44.54% |
| NEW BENEFITS, LTC3 | 14240 PROTON ROAD DALLAS, TX 75244 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $85 | $85 | 2.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVENUE N SUITE 725 BIRMINGHAM, AL 35203 | TRANSAMERICA LIFE INSURANCE COMPANY | -$1K | — | -$1K | -28.28% |
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 | 2,252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,252 | 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 | 211 | $1.7M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 702 | $1.4M |
| Vision | UNION SECURITY INSURANCE COMPANY | 702 | $383K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 1,966 | $458K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 702 | $383K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 211 | $1.0M |
| Other(5 contracts, 5 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,966 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,966 | — |
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.