| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 2101 6TH AVENUE NORTH, SUITE 725 BIRMINGHAM, AL 35203 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $104K | $0 | $104K | 13.69% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 1.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 233 SOUTH WACKER DRIVE, SUITE 2000 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 0.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 2101 6TH AVENUE NORTH, SUITE 725 BIRMINGHAM, AL 35203 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $28 | $29K | 5.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC. | 26 CENTURY BOULEVARD NASHVILLE, TN 37214 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $11K | $11K | 2.04% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | METROPOLITAN LIFE INSURANCE COMPANY | $203 | $71 | $274 | 0.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 2101 6TH AVENUE NORTH, SUITE 1200 BIRMINGHAM, AL 35203 | CONTINENTIAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 5.09% |
| RONALD E KIRKLAND3 Filed as: RONALD E. KIRKLAND | 1044 HARBOR RIDGE GUNTERSVILLE, AL 35979 | CONTINENTIAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 3.24% |
| MJ INSURANCE3 Filed as: BARBARA MCNAUGHTON & VARIOUS AGENTS | 337 JOLFFIE ROAD GRANT, AL 35747 | CONTINENTIAL AMERICAN INSURANCE COMPANY | $797 | $0 | $797 | 0.49% |
| JOHN HARRELL3 | 700 SEQUOYAH DRIVE DOTHAN, AL 36303 | CONTINENTIAL AMERICAN INSURANCE COMPANY | $746 | $0 | $746 | 0.46% |
| CRAIG M GADDY3 Filed as: CRAIG M. GADDY | 405 ROCKY RIDGE ROAD NE JASKCONVILLE, AL 36265 | CONTINENTIAL AMERICAN INSURANCE COMPANY | $554 | — | $554 | 0.34% |
| KELVIN MICHAEL RICE3 Filed as: KELVIN M. RICE | 688 EARLINE ROAD DOTHAN, AL 36305 | CONTINENTIAL AMERICAN INSURANCE COMPANY | $501 | $0 | $501 | 0.31% |
| DOWDY INSURANCE3 Filed as: DOWDY INSURANCE LLC | 7352 WALL TRIANA HIGHWAY MADISON, AL 35757 | CONTINENTIAL AMERICAN INSURANCE COMPANY | $469 | $0 | $469 | 0.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 2101 6TH AVENUE NORTH, SUITE 1200 BIRMINGHAM, AL 35203 | VISION SERVICE PLAN | $12K | $0 | $12K | 8.52% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | VISION SERVICE PLAN | $1K | $0 | $1K | 0.79% |
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 | 1,540 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 42 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,599 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,735 | $539K |
| Vision | VISION SERVICE PLAN | 940 | $142K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,527 | $762K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,527 | $762K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,527 | $762K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,035 | $925K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,035 | — |
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.