| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | P.O. BOX 730416 DALLAS, TX 753730416 | UNIMERICA INSURANCE COMPANY | $35K | — | $35K | 5.50% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT & COMPANY, INC | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | UNIMERICA INSURANCE COMPANY | $31K | — | $31K | 5.00% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT & COMPANY, INC | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | LIBERTY MUTUAL | $58K | $7K | $65K | 11.93% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT & COMPANY, INC. | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | LIBERTY MUTUAL | $33K | $3K | $36K | 13.81% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT & COMPANY, INC | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | VISION SERVICE PLAN | $8K | — | $8K | 6.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF ALABA EIN 63-0103830 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $642K |
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 | 963 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 963 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 603 | $134K |
| Life insurance | LIBERTY MUTUAL | 963 | $545K |
| Long-term disability | LIBERTY MUTUAL | 910 | $262K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 834 | $629K |
| Other | LIBERTY MUTUAL | 963 | $545K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 963 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.