| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $63K | $26K | $89K | 0.82% |
| WILLIS TOWERS WATSON US LLC5 Filed as: WILLIS TOWERS WATSON | LOCKBOX 28025 NETWORK PLACE, IL 60673 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $43K | $43K | 0.40% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE. SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.02% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS TOWERS WATSON US LLC. | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $82K | $127K | $209K | 2.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $23K | $23K | 0.30% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $83K | $34K | $117K | 3.13% |
| WILLIS TOWERS WATSON US LLC5 Filed as: WILLIS TOWERS WATSON | LOCKBOX 28025 NETWORK PLACE, IL 60673 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $57K | $57K | 1.52% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE. SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 0.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 0.09% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS TOWERS WATSON US LLC. | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $21K | $5 | $21K | 1.64% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $21K | $3 | $21K | 1.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $2 | $2 | 0.00% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | — | $2K | $2K | 0.23% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | C/O AFLAC 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $117K | $5K | $122K | 18.29% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $73K | — | $73K | 18.09% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $49K | — | $49K | 18.07% |
| EMPLOYEE BENEFIT SYSTEMS3 | 10000 MEMORIAL DR STE 800 HOUSTON, TX 77024 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $8K | — | $8K | 8.33% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 15.76% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 19.18% |
| EMPLOYEE BENEFIT SYSTEMS3 | 10000 MEMORIAL DR STE 800 HOUSTON, TX 77024 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $6K | — | $6K | 13.53% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 8081 KINGSTON PK STE 50 KNOXVILLE, TN 37919 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $102 | — | $102 | 0.22% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 16.10% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 15.57% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 15.94% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 11.06% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 15.49% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 16.87% |
| EMPLOYEE BENEFIT SYSTEMS3 Filed as: EMPLOYEE BENEFIT SYSTEMS INC | 10000 MEMORIAL DR STE 800 HOUSTON, TX 770243419 | METLIFE INSURANCE COMPANY | $5K | — | $5K | 27.67% |
| BENEFIT RESEARCH CORPORATION3 | PO BOX 1950 COPPELL, TX 750191903 | METLIFE INSURANCE COMPANY | $338 | — | $338 | 2.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 14.57% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $278 | — | $278 | 4.37% |
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 | 29,327 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 29,338 | 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 | 727 | $19.8M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 60,554 | $1.0M |
| Vision | VISION SERVICE PLAN | 17,850 | $4.2M |
| Life insurance(4 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 26,698 | $14.7M |
| Short-term disability(6 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 957 | $3.0M |
| Long-term disability(7 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 14,200 | $8.3M |
| Prescription drug(11 contracts, 9 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 727 | $18.7M |
| Other(9 contracts, 7 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 27,279 | $8.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 60,554 | — |
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.