| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | 2101 6TH AVENUE NORTH STE 700 BIRMINGHAM, AL 352032749 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $182K | $19K | $201K | 17.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA | 6101 6TH AVENUE NORTH, SUITE 1200 BIRMINGHAM, AL 35203 | DELTA DENTAL INSURANCE COMPANY | $43K | — | $43K | 4.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVENUE N SUITE 725 BIRMINGHAM, AL 35209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $4K | $27K | 12.26% |
| ENROLLMENT ADVISOR INC3 | 120 18TH ST S SUITE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $56 | $9K | 3.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | 2101 6TH AVENUE N STE 1200 BIRMINGHAM, AL 352032775 | VISION SERVICE PLAN | $15K | — | $15K | 7.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVENUE N SUITE 725 BIRMINGHAM, AL 35209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $243 | $5K | 4.69% |
| ENROLLMENT RESOURCES GROUP3 Filed as: ENROLLMENT ADVISORS INC | 120 18TH ST S SUITE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 3.39% |
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 | 1,445 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,500 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,353 | $1.1M |
| Vision | VISION SERVICE PLAN | 978 | $212K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,296 | $1.1M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,296 | $1.1M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,296 | $1.1M |
| Other(4 contracts, 4 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,577 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,577 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.