| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC | RSA BATTLE HOUSE TOWER 11 N. WATER ST. 19TH FL, STE 19290 MOBILE, AL 36602 | KAISER FOUNDATION HEALTH PLAN INC | $31K | — | $31K | 4.98% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS,18TH FL NEW YORK, NY 10019 | KAISER FOUNDATION HEALTH PLAN INC | $27 | — | $27 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | PO BOX 730371 DALLAS, TX 75373 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $2K | $21K | 9.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | RSA BATTLE HOUSE TOWER-STE 192 11 N WATER ST-19TH FL,STE 19290 MOBILE, AL 36602 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $16K | 7.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | PO BOX 2407 MOBILE, AL 36652 | SUN LIFE ASSURANCE COMPANY OF CANADA | $46K | — | $46K | 25.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SERV W | PO BOX 101162 PASADENA, CA 91189 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $4K | $4K | 2.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | PO BOX 2407 MOBILE, AL 36652 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | — | $13K | 9.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS. SERV. W | PO BOX 101162 PASADENA, CA 91189 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $931 | $931 | 0.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | PO BOX 730371 DALLAS, TX 75373 | UNUM INSURANCE COMPANY | $5K | $444 | $6K | 16.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS OF WATSON ALABAMA INC | PO BOX 2407 MOBILE, AL 36652 | BEAZLEY INSURANCE COMPANY, INC. | $2K | — | $2K | 8.57% |
| MITCH BESVINICK3 | 1280 BRIGHTON WAY NEWTOWN, PA 19073 | BEAZLEY INSURANCE COMPANY, INC. | $667 | — | $667 | 2.85% |
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 | 2,871 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,877 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 535 | $2.1M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 535 | $1.6M |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 414 | $126K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,871 | $404K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,871 | $404K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 535 | $1.5M |
| Other(5 contracts, 5 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 2,871 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,871 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.