| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS,18TH FL NEW YORK, NY 10019 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 1.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 12505 PARK POTOMAC AVE STE 300 POTOMAC, MD 20854 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 1.18% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 700 AIRPORT BLVD STE 300 BURLINGAME, CA 94010 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 1.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 12505 PARK POTOMAC AVE STE 300 POTOMAC, MD 20854 | KAISER FOUNDATION HEALTH PLAN INC | -$151 | — | -$151 | -0.03% |
| KRAUTER & COMPANY, LLC3 Filed as: KRAUTER & COMPANY LLC | 1350 AVENUE OF THE AMERICAS NEW YORK, NY 10019 | STARMOUNT LIFE INSURANCE COMPANY | $15K | — | $15K | 6.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 2101 6TH AVENUE N SUITE 725 BIRMINGHAM, AL 35203 | STARMOUNT LIFE INSURANCE COMPANY | $6K | $1K | $8K | 3.72% |
| KRAUTER & COMPANY, LLC3 Filed as: KRAUTER & COMPANY LLC | 1350 AVENUE OF THE AMERICAS NEW YORK, NY 10019 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 14.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 2101 6TH AVENUE N SUITE 725 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $386 | $5K | 2.46% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | PO BOX 2407 MOBILE, AL 36652 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$2K | -$140 | -$2K | -0.89% |
| 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 | -7.70% |
| KRAUTER & COMPANY, LLC3 Filed as: KRAUTER & COMPANY LLC | 1350 AVENUE OF THE AMERICAS NEW YORK, NY 10019 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 15.52% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 2101 6TH AVENUE N SUITE 725 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $397 | $4K | 5.04% |
| KRAUTER & COMPANY, LLC3 Filed as: KRAUTER & COMPANY | 1350 AVE OF TH AMER FL 18 NEW YORK, NY 10019 | VISION SERVICE PLAN | $4K | — | $4K | 7.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 2101 6TH AVE N STE 1200 BIRMINGHAM, AL 35203 | VISION SERVICE PLAN | $1K | — | $1K | 2.06% |
| KRAUTER & COMPANY, LLC3 Filed as: KRAUTER & COMPANY LLC | 1350 AVENUE OF THE AMERICAS NEW YORK, NY 10019 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 19.98% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 1330 LAKE ROBBINS DRIVE SUITE 405 THE WOODLANDS, TX 77380 | BEAZLEY INSURANCE COMPANY, INC. | $5K | — | $5K | 12.23% |
| MITCH BESVINICK3 | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | BEAZLEY INSURANCE COMPANY, INC. | $2K | — | $2K | 4.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS OF WATSON ALABAMA INC | PO BOX 2407 MOBILE, AL 36652 | BEAZLEY INSURANCE COMPANY, INC. | $1K | — | $1K | 2.79% |
| KRAUTER & COMPANY, LLC3 Filed as: KRAUTER & COMPANY LLC | 1350 AVENUE OF THE AMERICAS NEW YORK, NY 10019 | UNUM INSURANCE COMPANY | $4K | — | $4K | 12.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 2101 6TH AVENUE N SUITE 725 BIRMINGHAM, AL 35203 | UNUM INSURANCE COMPANY | $1K | $89 | $1K | 4.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | PO BOX 2407 MOBILE, AL 36652 | UNUM INSURANCE COMPANY | -$416 | -$35 | -$451 | -1.58% |
| KRAUTER & COMPANY, LLC3 Filed as: KRAUTER & COMPANY LLC | 1350 AVENUE OF THE AMERICAS NEW YORK, NY 10019 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 11.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 2101 6TH AVENUE N SUITE 725 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $799 | $133 | $932 | 4.49% |
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 | 2,392 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 72 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,472 | 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 | 238 | $1.9M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 503 | $1.6M |
| Vision(2 contracts) | VISION SERVICE PLAN | 447 | $61K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,417 | $275K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,417 | $225K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 238 | $1.9M |
| Other(6 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 2,417 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,417 | — |
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.