| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA | 6101 6TH AVENUE NORTH, SUITE 1200 BIRMINGHAM, AL 35203 | DELTA DENTAL INSURANCE COMPANY | $44K | — | $44K | 4.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC. | 2101 6TH AVENUE NORTH SUITE 700 BIRMINGHAM, AL 35203 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $82K | $10K | $92K | 16.74% |
| 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 | $46K | $6K | $51K | 16.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | 2101 6TH AVENUE NORTH SUITE 700 BIRMINGHAM, AL 35203 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $44K | $5K | $49K | 16.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVENUE N SUITE 725 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $451 | $9K | 4.03% |
| DIRECTPATH, LLC3 | 120 18TH ST S SUITE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $150 | $8K | 3.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | 2101 6TH AVENUE N STE 1200 BIRMINGHAM, AL 352032775 | VISION SERVICE PLAN | $16K | — | $16K | 7.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVENUE N SUITE 725 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $99 | $3K | 3.19% |
| DIRECTPATH, LLC3 | 120 18TH ST S SUITE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.90% |
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 | 1,477 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,516 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,380 | $1.1M |
| Vision | VISION SERVICE PLAN | 1,093 | $227K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,304 | $550K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,255 | $293K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,255 | $305K |
| Other(4 contracts, 4 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,518 | $915K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,518 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.