| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $174K | — | $174K | 1.47% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | LOCKBOX 28025 28025 NETWORK PL CHICAGO, IL 606731280 | STANDARD INSURANCE COMPANY | $109K | — | $109K | 0.92% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 28852 NEW YORK, NY 10087 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $52K | $111K | $163K | 2.36% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE | LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $51K | — | $51K | 1.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $32K | — | $32K | 0.76% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE. SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.04% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | LOCKBOX 28025 28025 NETWORK PL CHICAGO, IL 606731280 | STANDARD INSURANCE COMPANY | $75K | — | $75K | 4.15% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $19K | — | $19K | 1.05% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE | LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $58K | — | $58K | 3.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $36K | — | $36K | 2.24% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE. SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.12% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | LOCKBOX 28025 28025 NETWORK PL CHICAGO, IL 606731280 | STANDARD INSURANCE COMPANY | $71K | — | $71K | 4.56% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NC 10087 | STANDARD INSURANCE COMPANY | $23K | — | $23K | 1.48% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | C/O AFLAC 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $96K | $4K | $100K | 18.54% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $52K | — | $52K | 13.31% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP | 1775 THE EXCHANGE SE STE 600 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 1.79% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $35K | — | $35K | 13.32% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP | 1775 THE EXCHANGE SE STE 600 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 1.77% |
| EMPLOYEE BENEFIT SYSTEMS3 | 10000 MEMORIAL DR STE 800 HOUSTON, TX 77024 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $17K | — | $17K | 13.62% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP | 1775 THE EXCHANGE SE STE 600 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.91% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP | 1775 THE EXCHANGE SE STE 600 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.88% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP | 1775 THE EXCHANGE SE STE 600 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.95% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP | 1775 THE EXCHANGE SE STE 600 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $725 | — | $725 | 1.56% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP | 1775 THE EXCHANGE SE STE 600 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $916 | — | $916 | 2.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP | 1775 THE EXCHANGE SE STE 600 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $848 | — | $848 | 2.04% |
| EMPLOYEE BENEFIT SYSTEMS3 | 10000 MEMORIAL DR STE 800 HOUSTON, TX 77024 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $5K | — | $5K | 13.16% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 8081 KINGSTON PK STE 50 KNOXVILLE, TN 37919 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $62 | — | $62 | 0.17% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP | 1775 THE EXCHANGE SE STE 600 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $578 | — | $578 | 2.15% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP | 1775 THE EXCHANGE SE STE 600 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $421 | — | $421 | 1.93% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: DIGITAL INSRUANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 16.12% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP | 1775 THE EXCHANGE SE STE 600 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $239 | — | $239 | 1.41% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 15.01% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP | 1775 THE EXCHANGE SE STE 600 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $135 | — | $135 | 1.63% |
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 | 28,333 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 187 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 28,520 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(13 contracts, 11 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 881 | $18.9M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF CALIFORNIA | 37,399 | $14.1M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 16,795 | $3.4M |
| Life insurance(4 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 26,379 | $12.0M |
| Short-term disability(6 contracts) | STANDARD INSURANCE COMPANY | 884 | $2.3M |
| Long-term disability(7 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 12,658 | $9.0M |
| Prescription drug(12 contracts, 10 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 881 | $18.9M |
| Other(11 contracts, 8 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 25,458 | $14.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 37,399 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.