| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEST COAST GROUP, LLC3 Filed as: WEST COAST BENEFITS | RAQUEL WILLIAMS 10809 THOMMINT ROAD SUITE 100 SAN DIEGO, CA 92127 | BLUE CROSS AND BLUE SHIELD OF ALABAMA | $83K | — | $83K | 2.87% |
| JAMES SMITH3 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35244 | USABLE LIFE | $22K | — | $22K | 4.32% |
| FLYNN & PIEL INSURANCE SERVICES LLC3 | 10809 THORNMINT ROAD SUITE 100 SAN DIEGO, CA 92127 | USABLE LIFE | $21K | — | $21K | 4.00% |
| BRADFORD DILLION3 | 3556 KINGSHILL RD MOUNTAIN BRK, AL 35223 | USABLE LIFE | $17K | — | $17K | 3.26% |
| CLAY T. STEED3 Filed as: CLAY STEED | 7 TROON BIRMINGHAM, AL 35242 | USABLE LIFE | $5K | — | $5K | 1.06% |
| PATRICK J FLYNN3 | WEST COAST GROUP BENEFITS 10809 THORMINT ROAD #100 SAN DIEGO, CA 92127 | DELTA DENTAL INSURANCE COMPANY | $14K | — | $14K | 4.00% |
| RICHARD G MCGOWAN3 Filed as: RICHARD LEON | — | VISION SERVICE PLAN | $3K | — | $3K | 2.64% |
| FLYNN & PIEL INSURANCE SERVICES LLC3 Filed as: FLYNN & PIEL INSURANCE SERVICES | — | VISION SERVICE PLAN | $2K | — | $2K | 1.36% |
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 | 450 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 450 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 740 | $2.9M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 395 | $356K |
| Vision | VISION SERVICE PLAN | 388 | $122K |
| Life insurance | USABLE LIFE | 678 | $513K |
| Long-term disability | USABLE LIFE | 678 | $513K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 740 | $2.9M |
| Other | USABLE LIFE | 678 | $513K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 740 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.