| 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 | $118K | — | $118K | 7.26% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP, INC. | 5775-E GLENRIDGE DRIVE SUITE 500 ATLANTA, GA 30328 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $46K | $46K | 2.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | PO BOX 730416 DALLAS, TX 75373 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY - SUPERIOR VISION | $25K | — | $25K | 6.00% |
| 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 | $90K | $15K | $105K | 26.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA | PO BOX 730371 DALLAS, TX 75373 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $46K | $4K | $50K | 12.69% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 1.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | PO BOX 730371 DALLAS, TX 75373 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 14.58% |
| 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 | 3,928 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 63 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 63 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,054 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY - SUPERIOR VISION | 7,710 | $412K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,873 | $1.6M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,873 | $1.6M |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,873 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,710 | — |
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.