| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 2101 6TH AVENUE N SUITE 725 BIRMINGHAM, AL 35203 | STARMOUNT LIFE INSURANCE COMPANY | $30K | $8K | $38K | 6.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 2101 6TH AVENUE N SUITE 725 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $64K | $4K | $68K | 17.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 2101 6TH AVENUE N SUITE 725 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | $2K | $32K | 21.22% |
| GRAY, ELLISON, JONES3 | 1747 REESE ST SUITE 215 BIRMINGHAM, AL 35209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 12.64% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $626 | $8K | 5.85% |
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 | 830 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 25 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 859 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 839 | $7.4M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 868 | $613K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 868 | $613K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 926 | $531K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 926 | $381K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 926 | $381K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 839 | $7.4M |
| Other(4 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 926 | $8.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 926 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.