| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | PO BOX 2407 MOBILE, AL 36652 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $3K | $19K | 14.53% |
| JANE A. WHITE3 Filed as: JANE A WHITE | 106 7TH STREET N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 11.45% |
| THE EVERETTE GROUP, LLC3 Filed as: THE EVERETTE GROUP LLC | 4251 GOVERNMENT BLVD MOBILE, AL 36693 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 5.01% |
| BR WILSON INS INC3 | 374 INDIAN VALLEY DR SYLACAUGA, AL 35150 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.35% |
| MARTIN E DORSETT3 | 4251 GOVERNMENT BLVD MOBILE, AL 36693 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $428 | — | $428 | 0.98% |
| WILLIAM HAROLD OWENS3 Filed as: WILLIAM H OWENS | PO BOX 997 CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $421 | — | $421 | 0.97% |
| PARMER AGENCY LLC3 | 839 AIRPORT DR SUITE 105 ALEXANDER CITY, AL 35010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $184 | — | $184 | 0.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | PO BOX 730416 DALLAS, TX 75373 | VISION SERVICE PLAN | $1K | — | $1K | 10.00% |
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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 93 | $12K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 333 | $130K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 333 | $130K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 333 | $130K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 333 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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.