| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | UNKNOWN UNKNOWN, MI 00000 | DELTA DENTAL INSURANCE COMPANY | $17K | $0 | $17K | 6.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | UNKNOWN UNKNOWN, OH 00000 | DELTA DENTAL INSURANCE COMPANY | $8K | $0 | $8K | 3.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | $4K | $32K | 14.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 1001 LAKESIDE AVE STE 1600 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $2K | $27K | 12.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 33213 COLLECTION CENTER DR CHICAGO, IL 60693 | VISION SERVICE PLAN | $3K | $0 | $3K | 7.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC. | 1001 LAKESIDE AVE E STE 1500 CLEVELAND, OH 44114 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $591 | $5K | 12.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 1001 LAKESIDE AVE STE 1600 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $142 | $2K | 4.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MID | 26 CENTURY BLVD NASHVILLE, TN 37214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $615 | $35 | $650 | 1.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 2101 6TH AVENUE N STE 725 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $239 | $0 | $239 | 0.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $169 | $0 | $169 | 0.46% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $55 | $0 | $55 | 0.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 93033 NETWORK PLACE CHICAGO, IL 60673 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $512 | $0 | $512 | 6.22% |
| CAROLE H WARREN3 | 2716 HANOVER CIRCLE BIRMINGHAM, AL 35205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $325 | $152 | $477 | 5.80% |
| ALLIANCE INSURANCE GROUP LLC3 | P O BOX 240518 MONTGOMERY, AL 36124 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $289 | $0 | $289 | 3.51% |
| DAVID TYLER BURRUS3 | 254 STRATHAVEN LANE PELHAM, AL 35124 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $53 | $157 | $210 | 2.55% |
| PJ SKELTON LLC3 | 1580 CLUB CREEK DRIVE AUBURN, AL 36830 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $37 | $71 | $108 | 1.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 214 N TRYON ST STE 2500 CHARLOTTE, NC 28202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $103 | $0 | $103 | 1.25% |
| BARDEN AND ASSOCIATES LLC3 | 344 KARIS DR DADEVILLE, AL 36853 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $37 | $23 | $60 | 0.73% |
| DENNA J FISCHER3 | 8148 CARRINGTON DRIVE TRUSSVILLE, AL 35173 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $38 | $54 | 0.66% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 0.30% |
| MICHAEL G. HICKS3 Filed as: MICHAEL G HICKS | PO BOX 240518 MONTGOMERY, AL 36124 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.22% |
| STACIA ROBINSON3 | 6008 E SHIRLEY LANE MONTGOMERY, AL 36117 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.11% |
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 | 424 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 759 | $240K |
| Vision | VISION SERVICE PLAN | 307 | $41K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 424 | $258K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 424 | $219K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 424 | $219K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 424 | $304K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 759 | — |
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.