| 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 | $23K | — | $23K | 15.00% |
| 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 | $15K | — | $15K | 15.00% |
| 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 | $10K | — | $10K | 15.00% |
| 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 | $9K | — | $9K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | RSA BATTLE HOUSE TOWER 11 N WATER ST FL 19 STE 19290 MOBILE, AL 36602 | AMERITAS LIFE INSURANCE CORP. | $4K | — | $4K | 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. | — | $824 | $824 | 2.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 11 N WATER STREET 19TH FLOOR SUITE 19290 MOBILE, AL 36602 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 20.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 11 N WATER STREET 19TH FLOOR SUITE 19290 MOBILE, AL 36602 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 20.01% |
| PARRISH & ASSOCIATES4 Filed as: PARRISH & ASSOCIATES INC | 4959 MEADOW BROOK ROAD BIRMINGHAM, AL 35242 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $542 | — | $542 | 8.42% |
| MICHAEL SCHECHTER4 | 158 FOUR BROOKS RD STAMFORD, CT 06903 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $64 | — | $64 | 0.99% |
| DAVID J MCCLELLAN4 Filed as: DAVID E PAPERNO | 78347 GRAPE ARBOR AVE PALM DESERT, CA 92211 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $55 | — | $55 | 0.85% |
| LYNNE MULCAHY4 | 4802 SCHILLER PARK LN SUGAR LAND, TX 77479 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $34 | — | $34 | 0.53% |
| MARGARET ANDERTON4 | 5483 BULL RUN DRIVE BIRMINGHAM, AL 35210 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $30 | — | $30 | 0.47% |
| 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 | $27 | — | $27 | 0.42% |
| ROB VEST4 | 139 DUTCHMANS POINT RD PORT HAYWOOD, VA 23138 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $13 | — | $13 | 0.20% |
| 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% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS. SVCS WEST | PO BOX 101162 PASADENA, CA 91189 | HARTFORD LIFE AND ACCIDENT | — | $13 | $13 | 1.73% |
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 | 461 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 22 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 486 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 373 | $2.3M |
| Vision | AMERITAS LIFE INSURANCE CORP. | 836 | $40K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 449 | $223K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 449 | $57K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 449 | $97K |
| Other(5 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 461 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 836 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.