| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 2101 SIXTH AVENUE NORTH SUITE 725 BIRMINGHAM, AL 35203 | DELTA DENTAL INSURANCE COMPANY | $37K | — | $37K | 4.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 2101 6TH AVE N #725 BIRMINGHAM, AL 35203 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $107K | — | $107K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 2101 6TH AVE N #725 BIRMINGHAM, AL 35203 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $60K | — | $60K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 2101 6TH AVE N #725 BIRMINGHAM, AL 35203 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $44K | — | $44K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | 2101 6TH AVE N STE 1200 BIRMINGHAM, AL 35203 | VISION SERVICE PLAN | $8K | — | $8K | 3.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 2101 6TH AVE N STE 1200 BIRMINGHAM, AL 35203 | VISION SERVICE PLAN | $8K | — | $8K | 3.39% |
| 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 | $22K | — | $22K | 10.99% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19K | — | $19K | 9.96% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $2K | $2K | 0.98% |
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 | 967 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 985 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 2,466 | $916K |
| Vision | VISION SERVICE PLAN | 866 | $233K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 931 | $711K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,020 | $291K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 842 | $399K |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 967 | $926K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,466 | — |
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.