| 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 | $10K | $2K | $12K | 17.69% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO | $5K | — | $5K | 13.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | TRANSAMERICA INSURANCE CO | $968 | — | $968 | 2.35% |
| WEB TPA | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO | $931 | — | $931 | 2.26% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | EXPRESS SCRIPTS INC | $2K | — | $2K | 22.67% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EXPRESS SCRIPTS INC | $109 | — | $109 | 1.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO CLAIM ADMINISTRATOR | Non-monetary compensation; Named fiduciary; Participant communication; Float revenue; Other services; Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $12K |
| WILLIS TOWERS WATSON SOUTHEAST BROKER | Insurance agents and brokers Service code 22 | 2101 6TH AVE N BIRMINGHAM, AL 35203 | $10K |
| AMWINS GROUP BENEFITS LLC AGENT | Insurance agents and brokers Service code 22 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | $7K |
| MERCER HEALTH & BENEFITS LLC BROKER | Insurance agents and brokers Service code 22 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | $6K |
| CIGNA | Float revenue; Other services; Claims processing; Non-monetary compensation; Named fiduciary; Direct payment from the plan; Contract Administrator; 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 | 291 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUESHIELD OF ALABAMA | 437 | $2.8M |
| Dental | BLUE CROSS BLUESHIELD OF ALABAMA | 437 | $2.7M |
| Vision | BLUE CROSS BLUESHIELD OF ALABAMA | 437 | $2.7M |
| Life insurance | SYMETRA | 193 | $69K |
| Long-term disability | SYMETRA | 193 | $69K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUESHIELD OF ALABAMA | 437 | $2.7M |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUESHIELD OF ALABAMA | 437 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 437 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.