| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | PO BOX 730371 DALLAS, TX 75373 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 0.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC. | RSA BATTLE HOUSE TOWER, STE 192 11 N WATER ST, 19TH FL, STE 19290 MOBILE, AL 36602 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 0.27% |
| TERRY J STUTES3 Filed as: TERRY J STUTES & MULTI AGENTS* | 800 RYAN ST SUITE 200 LAKE CHARLES, LA 70601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $160K | — | $160K | 22.87% |
| LYNNE MULCAHY4 | 4802 SCHILLER PARK LN SUGAR LAND, TX 77479 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $4K | — | $4K | 14.64% |
| KATELYNN P. MULCAHY4 | 1212 FARNHAM CT E IRVING, TX 75062 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $213 | — | $213 | 0.81% |
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 | 3,196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 57 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 3,199 | $123K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,029 | $1.5M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,029 | $1.5M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,029 | $1.5M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,029 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,199 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.