| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 2101 6TH AVE N BIRMINGHAM, AL 35203 | SYMETRA | $17K | $2K | $19K | 16.75% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DR NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO | $7K | — | $7K | 12.90% |
| WEB TPA | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO | $1K | — | $1K | 2.40% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | TRANSAMERICA INSURANCE CO | $1K | — | $1K | 2.35% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DR NORTH KINGSTOWN, RI 02852 | EXPRESS SCRIPTS INC | $2K | — | $2K | 17.80% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EXPRESS SCRIPTS INC | $247 | — | $247 | 1.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILLIS TOWERS WATSON SOUTHEAST BROKER | Insurance agents and brokers Service code 22 | 2101 6TH AVE N BIRMINGHAM, AL 35203 | $17K |
| CIGNA HEALTH & LIFE INS CO (CIGNA) 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 | — | $11K |
| AMWINS GROUP BENEFITS LLC AGENT | Insurance agents and brokers Service code 22 | 50 WHITECAP DR NORTH KINGSTOWN, RI 02852 | $10K |
| MERCER HEALTH & BENEFITS LLC BROKER | Insurance agents and brokers Service code 22 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | $5K |
| CIGNA | Claims processing; Non-monetary compensation; Other services; Contract Administrator; Participant communication; Named fiduciary; Direct payment from the plan; Float revenue 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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ALABAMA | 436 | $2.6M |
| Dental | BLUECROSS BLUESHIELD OF ALABAMA | 436 | $2.5M |
| Vision | BLUECROSS BLUESHIELD OF ALABAMA | 436 | $2.5M |
| Life insurance | SYMETRA | 243 | $113K |
| Long-term disability | SYMETRA | 243 | $113K |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ALABAMA | 436 | $2.5M |
| Other(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ALABAMA | 436 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.