| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC. | PO BOX 2407 MOBILE, AL 36652 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $135K | — | $135K | 6.99% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP, INC. | 5775-D GLENRIDGE DRIVE SUITE 350 ATLANTA, GA 30328 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $55K | $55K | 2.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | PO BOX 730416 DALLAS, TX 75373 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY - SUPERIOR VISION | $24K | — | $24K | 5.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC. | PO BOX 730371 DALLAS, TX 75373 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $27K | $2K | $29K | 11.33% |
| ENROLLMENT RESOURCES GROUP3 Filed as: ENROLLMENT ADVISORS INC | 233 S WACKER DR SUITE 1875 CHICAGO, IL 60603 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 2.87% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $595 | $697 | $1K | 0.51% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP INC | 5775-D GLENRIDGE DRIVE NE STE 350 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $627 | $76 | $703 | 0.28% |
| MOLTON ALLEN WILLAMS LLC3 Filed as: MOLTON, ALLEN, & WILLIAMS, LLC | 1000 URBAN CENTER DR BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $381 | — | $381 | 0.15% |
| DIRECTPATH, LLC3 | 120 18TH ST S SUITE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $263 | — | $263 | 0.10% |
| FRANK LAXON3 | 3425 CHIPPENHAM CC BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $83 | — | $83 | 0.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA | PO BOX 730371 DALLAS, TX 75373 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | $3K | $36K | 16.33% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 3.15% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP INC | 5775-D GLENRIDGE DRIVE NE STE350 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $453 | $74 | $527 | 0.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | PO BOX 730371 DALLAS, TX 75373 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 15.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 63 SOUTH ROYAL STREET SUITE 800 MOBILE, AL 36602 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 15.00% |
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 | 3,823 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 137 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,960 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY - SUPERIOR VISION | 7,449 | $406K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,712 | $2.2M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,712 | $1.9M |
| Other(5 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,712 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,449 | — |
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.