| 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 | $110K | — | $110K | 13.59% |
| 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 | $113K | — | $113K | 43.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | PO BOX 730416 DALLAS, TX 75373 | VISION SERVICE PLAN | $9K | — | $9K | 10.00% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS CORROON INC. | 19TH FLOOR, STE 19290 11 NORTH WATER ST. MOBILE, AL 36602 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $4K | — | $4K | 11.69% |
| D'ANN DABELL4 | 1174 NORTH 2000 EAST LAYTON, UT 84040 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $3K | — | $3K | 9.79% |
| DON R. WILSON4 | PO BOX 117591 CARROLLTON, TX 75011 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $2K | — | $2K | 4.69% |
| ABDIE FINANCIAL SERVICES LLC4 | 10616 TIMBERLAKE DR BATON ROUGE, LA 70810 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $94 | — | $94 | 0.29% |
| JOEL T. ALLEN4 | 544 PAWNEE WAY MADISON, MS 39110 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $45 | — | $45 | 0.14% |
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 | 1,499 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,547 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 932 | $95K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,499 | $810K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,499 | $810K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,499 | $810K |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,499 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,499 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.