| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | PO BOX 730416 DALLAS, TX 75376 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $149K | — | $149K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC. | 11 N WATER 19TH FL STE 19290 MOBILE, AL 36602 | COMPBENEFITS | $13K | — | $13K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SERVICES OF GA INC. | 1 GLENLAKE PKWY 11TH FL ATLANTA, GA 30328 | COMPBENEFITS | — | $1K | $1K | 0.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | 11 N WATER STREET 19TH FLOOR STE 19290 MOBILE, AL 36602 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | — | $35K | 40.11% |
| D'ANN DABELL4 | 1174 NORTH 2000 EAST LAYTON, UT 84040 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $3K | — | $3K | 15.72% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS OF ALABAMA INC. | 19TH FLOOR, STE 19290 11 NORTH WATER ST. MOBILE, AL 36602 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $3K | — | $3K | 11.88% |
| DON R. WILSON4 | 1522 SUNNYSLOPE DR CARROLLTON, TX 75007 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $2K | — | $2K | 7.61% |
| ABDIE FINANCIAL SERVICES LLC4 Filed as: ABDIE FINANCIAL SERVICES | 10616 TIMBERLAKE DR BATON ROUGE, LA 70810 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $17 | — | $17 | 0.08% |
| EDITH A. NEWTON4 | P.O. BOX 34 LINN GROVE, IN 46769 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $6 | — | $6 | 0.03% |
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 | 837 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 864 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 845 | $10.6M |
| Vision | COMPBENEFITS | 660 | $131K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 837 | $994K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 837 | $994K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 837 | $994K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 845 | $10.6M |
| Other(5 contracts, 5 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,208 | $11.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,208 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.