| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVE N STE 725 BIRMINGHAM, AL 352032776 | METROPOLITAN LIFE INSURANCE COMPANY | $233K | $95 | $233K | 5.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | P.O. BOX 2407 MOBILE, AL 366522407 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $80K | $80K | 1.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVE N STE 725 BIRMINGHAM, AL 352032776 | AMERITAS LIFE INSURANCE CORP. | $65K | $0 | $65K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC | 214 N TYRON ST CHARLOTTE, NC 282821993 | AMERITAS LIFE INSURANCE CORP. | $0 | $20K | $20K | 3.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC. | 2101 6TH AVE NORTH SUITE 700 BIRMINGHAM, AL 35203 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $100K | $12K | $112K | 18.88% |
| GRIFFIN, STEVEN, RAY3 | 2000 MORRIS AVE SUITE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MS EIN 64-0295748 | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $4.5M |
| BLUEBONNET EIN 72-1008243 | Contract Administrator; Direct payment from the plan Service code 13 | — | $55K |
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 | 11,003 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 151 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 18,183 | $4.5M |
| Vision | AMERITAS LIFE INSURANCE CORP. | 15,397 | $647K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 18,183 | $4.6M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,160 | $594K |
| Stop-loss / reinsurancereinsurance | AMERICAN FIDELITY ASSURANCE COMPANY | 10,463 | $2.0M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 18,183 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,183 | — |
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.