| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 2101 6TH AVENUE NORTH, SUITE 725 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $187K | $16K | $204K | 12.27% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41K | $0 | $41K | 2.50% |
| DIRECTPATH, LLC3 | 120 18TH STREET SOUTH, SUITE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $302 | $6K | 0.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 2101 6TH AVENUE NORTH, SUITE 1200 BIRMINGHAM, AL 35203 | VISION SERVICE PLAN | $7K | $0 | $7K | 4.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | VISION SERVICE PLAN | $6K | $0 | $6K | 3.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 2101 6TH AVENUE NORTH, SUITE 725 BIRMINGHAM, AL 35203 | UNUM INSURANCE COMPANY | $43K | $6K | $49K | 28.58% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 1.24% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | UNITEDHEALTHCARE INSURANCE COMPANY | $748 | $0 | $748 | 10.01% |
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 | 1,887 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,887 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,363 | $177K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,890 | $1.7M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,890 | $1.7M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,890 | $1.7M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,890 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,890 | — |
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.