| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | 11 N WATER ST 19TH FL 19290 MOBILE, AL 36602 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $52K | — | $52K | 15.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC | 11 N WATER S, 19TH FLOOR SUITE 19290 MOBILE, AL 36602 | COMPBENEFITS INSURANCE COMPANY | $5K | — | $5K | 10.84% |
| PARRISH & ASSOCIATES4 | 4959 MEADOW BROOK ROAD BIRMINGHAM, AL 35242 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $884 | — | $884 | 10.06% |
| MICHAEL W. SCHECHTER4 | 158 FOUR BROOKS RD STAMFORD, CT 06903 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $97 | — | $97 | 1.10% |
| MARGARET ANDERTON4 | 5483 BULL RUN DRIVE BIRMINGHAM, AL 35210 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $58 | — | $58 | 0.66% |
| LYNNE MULCAHY4 | 4802 SCHILLER PARK LN SUGAR LAND, TX 77479 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $37 | — | $37 | 0.42% |
| DAVID SPANGLER JR.4 | 31 MARIE DR QUARRYVILLE, PA 17566 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $37 | — | $37 | 0.42% |
| DAVID HUGHES JR.4 | 1522 RUSHGROVE CIRCLE DOVER, FL 33527 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $31 | — | $31 | 0.35% |
| JANE TUNE4 | 719 CYNTHIA DR SANDWICH, IL 60548 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $30 | — | $30 | 0.34% |
| BETH TAYLOR4 | 3674 CYPRESS CIRCLE GULFSHORES, AL 36542 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $30 | — | $30 | 0.34% |
| WORLD CONSULTING AND MANAGEMENT LTD4 Filed as: WORLD CONSULTING & MANAGEMENT LTD. | P.O. BOX 10714 HONOLULU, HI 96816 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $29 | — | $29 | 0.33% |
| FLOWERS ENTERPRISES LLC4 | 4 LANDERS LN SPANISH FORT, AL 36527 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $25 | — | $25 | 0.28% |
| LINDA MASOLI4 | 588 ALEXIS CIRCLE DALY CITY, CA 94014 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $17 | — | $17 | 0.19% |
| ROB VEST4 | 139 DUTCHMANS POINT RD PORT HAYWOOD, VA 23138 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $14 | — | $14 | 0.16% |
| EAGLE ENTERPRISES LLC4 Filed as: EAGLE SUCCESS TEAM | 2212 CEBOLLA CREEK WAY NW ALBUQUERQUE, NM 87120 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $14 | — | $14 | 0.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA | 63 S. ROYAL STREET SUITE 800 MOBILE, AL 36602 | HARTFORD LIFE AND ACCIDENT | $113 | — | $113 | 15.07% |
No Schedule C service providers reported on this filing.
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 | 329 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 338 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA, INC. | 329 | $3.6M |
| Vision | COMPBENEFITS INSURANCE COMPANY | 353 | $47K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 422 | $341K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 422 | $341K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 422 | $341K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA, INC. | 329 | $3.6M |
| Other(5 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA, INC. | 422 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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.