| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | 2101 6TH AVENUE N STE 725 BIRMINGHAM, AL 35203 | DELTA DENTAL INSURANCE COMPANY | $70K | — | $70K | 3.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | PO BOX 730416 DALLAS, TX 75373 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $180K | — | $180K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | C/O WILLIS SAN FRANCISCO LOCKBOX LOCKBOX 100485,BANC ONE DEPT 100485 PASADENA, CA 91189 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $25K | $25K | 1.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVE NORTH SUITE 725 BIRMINGHAM, AL 35203 | STANDARD INSURANCE COMPANY | $44K | — | $44K | 6.56% |
| BENEFIT ADVISORS SRVCS GROUP3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 1.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | PO BOX 101162 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 0.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVENUE N STE 725 BIRMINGHAM, AL 35203 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | — | $25K | 11.06% |
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 | 3,006 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 672 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,678 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 2,630 | $2.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 4,647 | $225K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 0 | $1.8M |
| Long-term disability | STANDARD INSURANCE COMPANY | 0 | $673K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,006 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,647 | — |
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.