| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELLISON J. GRAY3 Filed as: ELLISON J GRAY | 1747 REESE ST STE 215 BIRMINGHAM, AK 35209 | STARMOUNT LIFE INSURANCE COMPANY | $22K | — | $22K | 3.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVENUE N STE 725 BIRMINGHAM, AL 35203 | STARMOUNT LIFE INSURANCE COMPANY | $4K | $2K | $7K | 1.17% |
| ELLISON J. GRAY3 | 1747 REESE ST. SUITE 215 BIRMINGHAM, AL 35209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $42K | — | $42K | 15.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVENUE N STE 725 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $581 | $9K | 3.31% |
| ELLISON J. GRAY3 | 1747 REESE ST. SUITE 215 BIRMINGHAM, AL 35209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 15.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVENUE N STE 725 BIRMINGHAM, AK 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $296 | $5K | 3.09% |
| ELLISON J. GRAY3 Filed as: ELLISON J GRAY | 1747 REESE ST STE 215 BIRMINGHAM, AK 35209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 14.12% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $422 | $7K | 6.44% |
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 | 723 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 739 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 718 | $4.4M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 1,444 | $565K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 1,444 | $565K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 744 | $437K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 744 | $274K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 744 | $274K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 718 | $4.4M |
| Other(4 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 744 | $5.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,444 | — |
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.