| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $166K | $267K | $434K | 2.61% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 0.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | 200 LIBERTY STREET F16 NEW YORK, NY 10281 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $71K | $80K | $151K | 2.12% |
| DIGITAL INSURANCE LLC3 | ATTN ACCOUNT MANAGEMENT 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $218K | $9K | $227K | 15.02% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | STANDARD INSURANCE COMPANY | $73K | — | $73K | 4.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US LLC (LA) | LOCKBOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | — | $938 | $938 | 0.08% |
| LEIGH BALDWIN3 | 1200 BROADWAY APARTMENT 2416 NASHVILLE, TN 37203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $229K | — | $229K | 24.76% |
| DOC N REESE3 | 830 CASTLE HEIGHTS AVENUE LEBANON, TN 37087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66K | — | $66K | 7.15% |
| THOMAS M WILLIAMSON3 | 129 WATERS HILL CIRCLE LEBANON, TN 37087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $61K | — | $61K | 6.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL PUERTO RICO INC | 255 PONCE DE LEON AVENUE MCS PLAZA, SUITE 700 SAN JUAN, PR 00917 | TRIPLE S SALUD, INC. | $37K | — | $37K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH BENEFITS | ADMINISTRATION PO BOX 310502 DES MOINES, IA 52242 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $64K | — | $64K | 10.00% |
| DIGITAL INSURANCE LLC3 | ATTN ACCOUNT MANAGEMENT 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $87K | $13K | $100K | 17.33% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | STANDARD INSURANCE COMPANY | $29K | — | $29K | 5.00% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | VARIOUS BROKERS - SEE ATTACHMENT 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $23K | — | $23K | 10.27% |
| DIGITAL INSURANCE LLC3 | ATTN ACCOUNT MANAGEMENT 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $18K | $1K | $20K | 15.83% |
| DIGITAL INSURANCE LLC3 | ATTN ACCOUNT MANAGEMENT 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $17K | $1K | $18K | 15.87% |
| DIGITAL INSURANCE LLC3 | ATTN ACCOUNT MANAGEMENT 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $13K | $1K | $15K | 16.53% |
| DIGITAL INSURANCE LLC3 | ATTN ACCOUNT MANAGEMENT 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $9K | $2K | $11K | 17.94% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $6K | $1K | $7K | 11.72% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $5K | $957 | $6K | 11.76% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL PUERTO RICO | PO BOX 195556 SAN JUAN, PR 009195556 | DELTA DENTAL OF PUERTO RICO, INC | $4K | — | $4K | 8.00% |
| EMPLOYEE BENEFIT SYSTEMS3 | 10000 MEMORIAL DRIVE SUITE 800 HOUSTON, TX 77024 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.26% |
| DIGITAL INSURANCE LLC3 | ATTN ACCOUNT MANAGEMENT 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $5K | $875 | $6K | 17.48% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| DIGITAL INSURANCE LLC3 | ATTN ACCOUNT MANAGEMENT 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $5K | $798 | $6K | 17.36% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| DIGITAL INSURANCE LLC3 | ATTN ACCOUNT MANAGEMENT 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $4K | $822 | $5K | 18.10% |
| EMPLOYEE BENEFIT SYSTEMS3 | 10000 MEMORIAL DRIVE SUITE 800 HOUSTON, TX 77024 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.59% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 8081 KINGSTON PARK SUITE 50 KNOXVILLE, TN 37919 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $61 | — | $61 | 0.25% |
| DIGITAL INSURANCE LLC3 | ATTN ACCOUNT MANAGEMENT 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $2K | $413 | $2K | 18.18% |
| DIGITAL INSURANCE LLC3 | ATTN ACCOUNT MANAGEMENT 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $2K | $341 | $2K | 17.84% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $1K | $176 | $1K | 11.65% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | STANDARD INSURANCE COMPANY | $537 | — | $537 | 5.00% |
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 | 29,668 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 534 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 30,202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(15 contracts, 12 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 8,934 | $30.6M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 523 | $5.0M |
| Vision | VISION SERVICE PLAN | 20,094 | $3.7M |
| Life insurance(5 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 50,523 | $16.8M |
| Short-term disability(6 contracts) | STANDARD INSURANCE COMPANY | 1,186 | $1.9M |
| Long-term disability(7 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 11,454 | $7.8M |
| Prescription drug(12 contracts, 9 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 797 | $22.6M |
| Other(12 contracts, 9 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 31,246 | $12.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 50,523 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.