| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVE N BIRMINGHAM, AL 35203 | SYMETRA | $16K | $1K | $17K | 16.06% |
| AMWINS5 | 50 WHITECAP DR NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO | $11K | — | $11K | 12.61% |
| WEB TPA | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO | $2K | — | $2K | 2.68% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICGAO, IL 60674 | TRANSAMERICA INSURANCE CO | $2K | — | $2K | 2.35% |
| AMWINS5 | 50 WHITECAP DR NORTH KINGSTOWN, RI 02852 | EXPRESS SCRIPTS INC | $4K | — | $4K | 19.40% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EXPRESS SCRIPTS INC | $466 | — | $466 | 2.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILLIS OF ALABAMA INC BROKER | Insurance agents and brokers Service code 22 | 2101 6TH AVE N BIRMINGHAM, AL 35203 | $16K |
| AMWINS AGENT | Insurance agents and brokers Service code 22 | 50 WHITECAP DR NORTH KINGSTOWN, RI 02852 | $16K |
| CIGNA HEALTH & LIFE INS CO (CIGNA) CLAIM ADMINISTRATOR | Named fiduciary; Participant communication; Contract Administrator; Non-monetary compensation; Claims processing; Direct payment from the plan; Float revenue; Other services Service code 12 | — | $8K |
| MERCER HEALTH & BENEFITS LLC BROKER | Insurance agents and brokers Service code 22 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | $5K |
| CIGAN | Contract Administrator; Float revenue; Other services; Participant communication; Non-monetary compensation; Claims processing; Named fiduciary; Direct payment from the plan Service code 12 | — | $0 |
| CIGNA | Non-monetary compensation; Claims processing; Other services; Named fiduciary; Direct payment from the plan; Contract Administrator; Float revenue; Participant communication 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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 420 | $2.2M |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 420 | $2.2M |
| Vision | BLUE CROSS BLUE SHIELD OF ALABAMA | 420 | $2.2M |
| Life insurance | SYMETRA | 204 | $108K |
| Long-term disability | SYMETRA | 204 | $108K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 420 | $2.2M |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 420 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 420 | — |
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.