| 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 | $63K | — | $63K | 15.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 11 N WATER S, 19TH FLOOR SUITE 19290 MOBILE, AL 36602 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC | 214 N TRYON ST STE 2500 CHARLOTTE, NC 28202 | AMERITAS LIFE INSURANCE CORP. | — | $375 | $375 | 1.44% |
| 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 | $2K | — | $2K | 10.01% |
| PARRISH & ASSOCIATES4 | 4959 MEADOW BROOK ROAD BIRMINGHAM, AL 35242 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $956 | — | $956 | 12.18% |
| MICHAEL W. SCHECHTER4 | 158 FOUR BROOKS RD STAMFORD, CT 06903 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $77 | — | $77 | 0.98% |
| MARGARET ANDERTON4 | 5483 BULL RUN DRIVE BIRMINGHAM, AL 35210 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $65 | — | $65 | 0.83% |
| LYNNE MULCAHY4 | 4802 SCHILLER PARK LN SUGAR LAND, TX 77479 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $37 | — | $37 | 0.47% |
| BETH TAYLOR4 | 3674 CYPRESS CIRCLE GULFSHORES, AL 36542 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $30 | — | $30 | 0.38% |
| DAVID SPANGLER JR.4 | 31 MARIE DR QUARRYVILLE, PA 17566 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $29 | — | $29 | 0.37% |
| 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 | 0.37% |
| DAVID HUGHES JR.4 | 1522 RUSHGROVE CIRCLE DOVER, FL 33527 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $23 | — | $23 | 0.29% |
| ROB VEST4 | 139 DUTCHMANS POINT RD PORT HAYWOOD, VA 23138 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $14 | — | $14 | 0.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA | PO BOX 2407 MOBILE, AL 36652 | HARTFORD LIFE AND ACCIDENT | $113 | — | $113 | 15.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | 801 SOUTH FIGUEROA ST STE 700 LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | — | $15 | $15 | 2.00% |
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 | 442 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 457 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 355 | $4.0M |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 382 | $42K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 441 | $406K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 441 | $406K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 441 | $406K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA, INC. | 0 | $1.9M |
| Other(5 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA, INC. | 441 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 441 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.