| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVE N STE 1200 BIRMINGHAM, AL 352032775 | METROPOLITAN LIFE INSURANCE COMPANY | $935 | $15 | $950 | 0.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | PO BOX 2407 MOBILE, AL 366522407 | METROPOLITAN LIFE INSURANCE COMPANY | — | $561 | $561 | 0.35% |
| AMWINS5 | 50 WHITECAP DR NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO | $11K | — | $11K | 9.79% |
| WEB TPA | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO | $3K | — | $3K | 2.86% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | TRANSAMERICA INSURANCE CO | $3K | — | $3K | 2.30% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | STONEBRIDGE LIFE | $2K | — | $2K | 9.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STONEBRIDGE LIFE | $478 | — | $478 | 2.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UFCW HEALTH & WELFARE FUND EIN 22-1458594 INSURANCE SERVICES | Insurance agents and brokers Service code 22 | 66 GRAND AVENUE ENGLEWOOD, NJ 07631 | $3.1M |
| CONNECTICUT GENERAL LIFE INS CO EIN 06-0303370 CLAIM ADMINISTRATOR | Named fiduciary; Float revenue; Direct payment from the plan; Other services; Participant communication; Contract Administrator; Claims processing; Non-monetary compensation Service code 12 | — | $30K |
| AMWINS EIN 05-0461576 AGENT | Insurance agents and brokers Service code 22 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | $13K |
| MERCER HEALTH & BENEFITS EIN 34-2015463 BROKER | Insurance agents and brokers Service code 22 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | $11K |
| WILLIS OF ALABAMA INC BROKER | Insurance agents and brokers Service code 22 | 2101 6TH AVE N STE 1200 BIRMINGHAM, AL 352032775 | $576 |
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 | 252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRANSAMERICA INSURANCE CO | 37 | $111K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 290 | $161K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 290 | $161K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 290 | $161K |
| Prescription drug | STONEBRIDGE LIFE | 25 | $23K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 290 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.