| 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 | $57K | $280K | $337K | 2.32% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $88K | — | $88K | 0.61% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 0.04% |
| WILLIS TOWERS WATSON US LLC3 | 200 LIBERTY ST F16 NEW YORK, NY 10281 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $64K | $90K | 1.56% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31K | — | $31K | 0.55% |
| 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. | $34K | — | $34K | 3.50% |
| DIGITAL INSURANCE LLC3 | ATTN ACCOUNT MANAGEMENT 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $95K | $25K | $120K | 13.31% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 0.68% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH BENEFITS | ADMINISTRATION PO BOX 310502 DES MOINES, IA 52242 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $65K | — | $65K | 9.16% |
| LEIGH BALDWIN3 | 1724B PECAN ST NASHVILLE, TN 372081046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $73K | — | $73K | 12.95% |
| DOC N REESE3 | 830 CASTLE HEIGHTS AVENUE LEBANON, TN 37087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20K | — | $20K | 3.49% |
| THOMAS M WILLIAMSON3 | 129 WATERS HILL CIRCLE LEBANON, TN 37087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | — | $18K | 3.21% |
| DIGITAL INSURANCE LLC3 | ATTN ACCOUNT MANAGEMENT 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $38K | $15K | $53K | 14.59% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 0.68% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | VARIOUS BROKERS - SEE ATTACHMENT 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $12K | — | $12K | 10.41% |
| DIGITAL INSURANCE LLC3 | ATTN ACCOUNT MANAGEMENT 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $7K | $4K | $11K | 16.76% |
| DIGITAL INSURANCE LLC3 | ATTN ACCOUNT MANAGEMENT 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $7K | $4K | $10K | 16.25% |
| DIGITAL INSURANCE LLC3 | ATTN ACCOUNT MANAGEMENT 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $6K | $3K | $9K | 16.47% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF PUERTO RICO | PO BOX 191229 SAN JUAN, PR 009191229 | DELTA DENTAL OF PUERTO RICO, INC | $4K | — | $4K | 8.00% |
| DIGITAL INSURANCE LLC3 | ATTN ACCOUNT MANAGEMENT 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $4K | $2K | $6K | 16.64% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $2K | $972 | $3K | 11.23% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD KIRKWOOD, MO 63122 | STANDARD INSURANCE COMPANY | $160 | — | $160 | 0.67% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $2K | $950 | $3K | 11.18% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | STANDARD INSURANCE COMPANY | $168 | — | $168 | 0.71% |
| DIGITAL INSURANCE LLC3 | ATTN ACCOUNT MANAGEMENT 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $2K | $828 | $3K | 14.83% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | STANDARD INSURANCE COMPANY | $147 | — | $147 | 0.74% |
| EMPLOYEE BENEFIT SYSTEMS3 | 10000 MEMORIAL DRIVE SUITE 800 HOUSTON, TX 77024 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.84% |
| DIGITAL INSURANCE LLC3 | ATTN ACCOUNT MANAGEMENT 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $2K | $824 | $3K | 15.20% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | STANDARD INSURANCE COMPANY | $138 | — | $138 | 0.74% |
| DIGITAL INSURANCE LLC3 | ATTN ACCOUNT MANAGEMENT 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $2K | $910 | $3K | 16.45% |
| EMPLOYEE BENEFIT SYSTEMS3 | 10000 MEMORIAL DRIVE SUITE 800 HOUSTON, TX 77024 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $879 | — | $879 | 7.88% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 8081 KINGSTON PARK SUITE 50 KNOXVILLE, TN 37919 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $47 | — | $47 | 0.42% |
| DIGITAL INSURANCE LLC3 | ATTN ACCOUNT MANAGEMENT 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $780 | $401 | $1K | 15.84% |
| DIGITAL INSURANCE LLC3 | ATTN ACCOUNT MANAGEMENT 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $784 | $431 | $1K | 16.46% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $364 | $186 | $550 | 11.07% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | STANDARD INSURANCE COMPANY | $43 | — | $43 | 0.87% |
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 | 402 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 30,070 | 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 | 9,292 | $24.1M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 532 | $3.3M |
| Vision | VISION SERVICE PLAN | 12,038 | $3.0M |
| Life insurance(5 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 46,341 | $14.6M |
| Short-term disability(6 contracts) | STANDARD INSURANCE COMPANY | 1,261 | $1.1M |
| Long-term disability(7 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 10,228 | $6.2M |
| Prescription drug(12 contracts, 9 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 772 | $18.6M |
| Other(13 contracts, 10 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 34,544 | $11.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 46,341 | — |
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."
No prospect flags tripped on this filing.