| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $59K | — | $59K | 16.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 233 S WACKER DR STE 2000 CHICAGO, IL 60606 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $20K | $20K | 5.60% |
| 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 | $42K | — | $42K | 16.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 233 S WACKER DR STE 2000 CHICAGO, IL 60606 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $13K | $13K | 5.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | 2101 6TH AVE N BIRMINGHAM, AL 35203 | METROPOLITAN LIFE INSURANCE COMPANY | $40K | $31 | $41K | 19.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | 2101 6TH AVE N SUITE 725 BIRMINGHAM, AL 35203 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 3.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD C/O MORGAN CHASE NASHVILLE, TN 37214 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | PO BOX 2407 MOBILE, AL 36652 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVE N SUITE 1200 BIRMINGHAM, AL 35203 | VISION SERVICE PLAN | $6K | — | $6K | 5.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 2101 6TH AVE N STE 1200 BIRMINGHAM, AL 35203 | VISION SERVICE PLAN | $4K | — | $4K | 3.25% |
| 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 | $5K | — | $5K | 16.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 233 S WACKER DR STE 2000 CHICAGO, IL 60606 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $2K | $2K | 5.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 200 LIBERTY STREET 7TH FLOOR NEW YORK, NY 10281 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA. | $7K | — | $7K | 25.00% |
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 | 1,090 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 675 | $125K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,358 | $362K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 274 | $33K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,417 | $258K |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,358 | $603K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,417 | — |
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.