| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS5 | 50 WHITECAP DR. NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $12K | — | $12K | 12.61% |
| WEBTPA EMPLOYER SERVICES LLC Filed as: WEBTPA | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | $3K | — | $3K | 2.68% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | TRANSAMERICA INSURANCE CO. | $2K | — | $2K | 2.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC. | 2101 6TH AVE N BIRMINGHAM, AL 35203 | SYMETRA | $8K | $840 | $9K | 16.62% |
| AMWINS5 | 50 WHITECAP DR NORTH KINGSTOWN, RI 02852 | STONEBRIDGE LIFE | $2K | — | $2K | 9.21% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STONEBRIDGE LIFE | $506 | — | $506 | 1.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMWINS EIN 05-0461576 AGENT | Insurance agents and brokers Service code 22 | 50 WHITECAP DR NORTH KINGSTOWN, RI 02852 | $15K |
| WILLIS OF ALABAMA, INC. BROKER | Insurance agents and brokers Service code 22 | 2101 6TH AVENUE N BIRMINGHAM, AL 35203 | $8K |
| CONNECTICUT GENERAL LIFE INS CO EIN 06-0303370 CLAIM ADMINISTRATOR | Direct payment from the plan; Claims processing; Named fiduciary; Participant communication; Float revenue; Other services; Non-monetary compensation; Contract Administrator Service code 12 | — | $7K |
| MERCER HEALTH & BENEFITS LLC EIN 34-2015463 BROKER | Insurance agents and brokers Service code 22 | 4565 PAYSPHER CIRCLE CHICAGO, IL 60674 | $5K |
| CIGNA | Other services; Participant communication; Direct payment from the plan; Float revenue; Contract Administrator; Claims processing; Non-monetary compensation; Named fiduciary Service code 12 | — | $0 |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 463 | $2.3M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 463 | $2.2M |
| Vision | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 463 | $2.2M |
| Life insurance | SYMETRA | 202 | $52K |
| Long-term disability | SYMETRA | 202 | $52K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 463 | $2.2M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 463 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 463 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.