| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | PO BOX 101162 PASADENA, CA 911890001 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $138K | $138K | 1.19% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $65K | — | $65K | 0.56% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IL 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.02% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $68K | $116K | $185K | 2.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | PO BOX 101162 PASADENA, CA 911890001 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $190K | $190K | 4.81% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $90K | — | $90K | 2.27% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 0.08% |
| CHRISTIANSEN INSURANCE GROUP, INC.3 Filed as: CHRISTIANSEN INSURANCE INC | PO BOX 11992 SAN JUAN, PR 00922 | TRIPLE S SALUD, INC. | $41K | — | $41K | 5.00% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | — | $942 | $942 | 0.14% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH BENEFITS ADMIN | PO BOX 310502 DES MOINES, IA 52242 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $66K | — | $66K | 10.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $98K | — | $98K | 18.18% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $66K | — | $66K | 18.24% |
| LEIGH BALDWIN3 | 9 CITY PL APT 330 NASHVILLE, TN 37209 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35K | — | $35K | 9.80% |
| DOC N REESE3 | 830 CASTLE HEIGHT AVE LEBANON, TN 37087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 2.10% |
| THOMAS M WILLIAMSON3 | 129 WATERS HILL CIR LEBANON, TN 37087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 2.00% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | C/O AFLAC 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $35K | $3K | $37K | 11.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 12.78% |
| EMPLOYEE BENEFIT SYSTEMS3 | 1000 MEMORIAL DR STE 800 HOUSTON, TX 77024 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.77% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 13.49% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 18.73% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 17.08% |
| CHRISTIANSEN INSURANCE GROUP, INC.3 Filed as: CHRISTIANSEN INSURANCE INC | PO BOX 11992 SAN JUAN, PR 00922 | DELTA DENTAL OF PUERTO RICO, INC | $4K | — | $4K | 8.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 17.83% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 17.10% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 18.04% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 18.64% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 18.76% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 18.53% |
| EMPLOYEE BENEFIT SYSTEMS3 | 10000 MEMORIAL DR STE 800 HOUSTON, TX 77024 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.70% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 8081 KINGSTON PK STE 50 KNOXVILLE, TN 37919 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $78 | — | $78 | 0.29% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 18.65% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 18.65% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 18.03% |
| EMPLOYEE BENEFIT SYSTEMS3 | 10000 MEMORIAL DR STE 800 HOUSTON, TX 770243419 | METLIFE INSURANCE COMPANY | $2K | — | $2K | 21.15% |
| BENEFIT RESEARCH CORPORATION3 | PO BOX 1950 COPPELL, TX 750191903 | METLIFE INSURANCE COMPANY | $192 | — | $192 | 2.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 18.59% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 28.90% |
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 | 29,222 | 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) | 29,222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(14 contracts, 12 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 642 | $19.7M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 185 | $916K |
| Vision | VISION SERVICE PLAN | 19,776 | $4.3M |
| Life insurance(7 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 29,355 | $15.6M |
| Short-term disability(6 contracts) | STANDARD INSURANCE COMPANY | 1,161 | $604K |
| Long-term disability(10 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 12,657 | $8.4M |
| Prescription drug(12 contracts, 10 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 642 | $18.9M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 701 | $188K |
| Other(11 contracts, 9 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 14,489 | $11.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 29,355 | — |
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.