| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC. | PO BOX 730416 DALLAS, TX 753730416 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 3.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVE N STE 725 BIRMINGHAM, AL 352032776 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 18.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVE N STE 725 BIRMINGHAM, AL 352032776 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 12.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVE N STE 725 BIRMINGHAM, AL 352032776 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 6087 HUNTSVILLE, AL 35824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $846 | $8 | $854 | 4.23% |
| SUZANNE M CALHOUN3 | 3104 HADDONSTONE DRIVE OWENS X RD, AL 35763 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $665 | $30 | $695 | 3.44% |
| DONNIE HILL LLC3 | PO BOX 10072 HUNTSVILLE, AL 35801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | $8 | $119 | 0.59% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | $12 | $71 | 0.35% |
| LAURIE J BURNS3 | 303 PLYLER RD INDIAN TRAIL, NC 28079 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVE N STE 725 BIRMINGHAM, AL 352032776 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| LARRY E SHARP3 | 1307 BIG COVE RD SE HUNTSVILLE, AL 35801 | AFLAC | $94 | — | $94 | 4.98% |
| JEFFRY A WILSON SR3 Filed as: JEFFRY A WILSON SR. | PO BOX 12573 HUNTSVILLE, AL 35815 | AFLAC | $66 | — | $66 | 3.50% |
| SAIC INC3 Filed as: SAIC INC. | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $32 | — | $32 | 1.70% |
| R AND L SUPPLEMENTAL BENEFITS INC3 Filed as: R&L SUPPLEMENTAL BENEFITS INC. | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $31 | — | $31 | 1.64% |
| ANGELA KAYE DOWDY | 18837 CANOEBROOK LN TONEY, AL 35773 | AFLAC | $17 | — | $17 | 0.90% |
| RONALD E KIRKLAND | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $11 | — | $11 | 0.58% |
| BRIAN E HICKS3 | 188 FRONT STREET STE 116 39 FRANKLIN, TN 37064 | AFLAC | $1 | — | $1 | 0.05% |
| JOHN TODD LEE3 | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | — | — | $0 | 0.00% |
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 | 214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 197 | $162K |
| Life insurance(5 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 214 | $274K |
| Short-term disability(4 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 214 | $272K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 214 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.