| 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 | $41K | — | $41K | 4.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC. | 2101 6TH AVE NORTH SUITE 700 BIRMINGHAM, AL 35203 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $79K | $3K | $83K | 17.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | 2101 6TH AVE NORTH SUITE 700 BIRMINGHAM, AL 35203 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $45K | $2K | $47K | 17.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | 2101 6TH AVE N STE 1200 BIRMINGHAM, AL 35203 | VISION SERVICE PLAN | $15K | — | $15K | 5.89% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | 2101 6TH AVE NORTH SUITE 700 BIRMINGHAM, AL 35203 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $32K | $1K | $34K | 17.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 2101 6TH AVE NORTH STE 725 BIRMINGHAM, AL 35203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 8.29% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 7.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | PO BOX 730416 DALLAS, TX 75373 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 5.18% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852, PO BOX 28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $1K | $1K | 1.04% |
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 | 1,273 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 2,857 | $1.0M |
| Vision | VISION SERVICE PLAN | 947 | $258K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,085 | $477K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 997 | $195K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 997 | $270K |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,273 | $634K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,857 | — |
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.