| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 11 NORTH WATER ST STE 19290 MOBILE, AL 36602 | UNION SECURITY INSURANCE COMPANY | $7K | $14 | $7K | 8.57% |
| S S NESBITT & CO INC Filed as: SS NESBITT & COMPANY INC | 3500 BLUE LAKE DR STE 120 BIRMINGHAM, AL 35243 | UNION SECURITY INSURANCE COMPANY | $2K | $0 | $2K | 2.51% |
| ROGERS BENEFIT GROUP INC Filed as: JOHN A ROGERS IV | PO BOX 81543 MOBILE, AL 36689 | UNION SECURITY INSURANCE COMPANY | $2K | $0 | $2K | 2.51% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND FINANCIAL | 1095 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 14.62% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: METLIFE FINANCIAL | 1095 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $284 | $284 | 2.73% |
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 | 137 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 100 | $0 |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 100 | $0 |
| Vision(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 100 | $82K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 137 | $92K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 83 | $82K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 83 | $82K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 100 | $0 |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 137 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.