| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVE N #725 BIRMINGHAM, AL 32503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 10.14% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 352462142 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $759 | $4K | 3.51% |
| LISA I TERRY3 | 4465 PARK BLVD MONTGOMERY, AL 36116 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $827 | — | $827 | 0.65% |
| RANDALL TUCKER3 Filed as: RANDALL H TUCKER JR | 4465 PARK BLVD MONTGOMERY, AL 36116 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $827 | — | $827 | 0.65% |
| JOHN T WILLIAMS3 | 4465 PARK BLVD MONTGOMERY, AL 36116 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $414 | — | $414 | 0.32% |
| BRADFORD DILLION3 Filed as: BRADFORD S. DILLON | 2 RIVERCHASE RIDGE #200 BIRMINGHAM, AL 35244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $414 | — | $414 | 0.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVE N #725 BIRMINGHAM, AL 32503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 9.97% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 352462142 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $288 | $2K | 3.55% |
| LISA I TERRY3 | 4465 PARK BLVD MONTGOMERY, AL 36116 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $361 | — | $361 | 0.67% |
| RANDALL TUCKER3 Filed as: RANDALL H TUCKER JR | 4465 PARK BLVD MONTGOMERY, AL 36116 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $361 | — | $361 | 0.67% |
| JOHN T WILLIAMS3 | 4465 PARK BLVD MONTGOMERY, AL 36116 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $180 | — | $180 | 0.33% |
| BRADFORD DILLION3 Filed as: BRADFORD S. DILLON | 2 RIVERCHASE RIDGE #200 BIRMINGHAM, AL 35244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $180 | — | $180 | 0.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC-BIRMINGHAM | 2101 6TH AVENUE N #725 BIRMINGHAM, AL 352032776 | COMPBENEFITS INSURANCE COMPANY | $4K | — | $4K | 9.14% |
| CHARLES W JINRIGHT3 | 4256 LOMAC ST MONTGOMERY, AL 361062886 | COMPBENEFITS INSURANCE COMPANY | $362 | — | $362 | 0.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SERVICES OF GA INC | 1 GLENLAKE PKWY 11TH FL ATLANTA, GA 303283496 | COMPBENEFITS INSURANCE COMPANY | — | $138 | $138 | 0.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVE N #725 BIRMINGHAM, AL 32503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.13% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 352462142 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $224 | $1K | 3.51% |
| LISA I TERRY3 | 4465 PARK BLVD MONTGOMERY, AL 36116 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $246 | — | $246 | 0.65% |
| RANDALL TUCKER3 Filed as: RANDALL H TUCKER JR | 4465 PARK BLVD MONTGOMERY, AL 36116 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $246 | — | $246 | 0.65% |
| BRADFORD DILLION3 Filed as: BRADFORD S. DILLON | 2 RIVERCHASE RIDGE #200 BIRMINGHAM, AL 35244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $123 | — | $123 | 0.32% |
| JOHN T WILLIAMS3 | 4465 PARK BLVD MONTGOMERY, AL 36116 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $123 | — | $123 | 0.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVE N #725 BIRMINGHAM, AL 32503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.08% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 352462142 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $818 | $166 | $984 | 3.55% |
| LISA I TERRY3 | 4465 PARK BLVD MONTGOMERY, AL 36116 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $182 | — | $182 | 0.66% |
| RANDALL TUCKER3 Filed as: RANDALL H TUCKER JR | 4465 PARK BLVD MONTGOMERY, AL 36116 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $182 | — | $182 | 0.66% |
| JOHN T WILLIAMS3 | 4465 PARK BLVD MONTGOMERY, AL 36116 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $91 | — | $91 | 0.33% |
| BRADFORD DILLION3 Filed as: BRADFORD S. DILLON | 2 RIVERCHASE RIDGE #200 BIRMINGHAM, AL 35244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $91 | — | $91 | 0.33% |
| ALLIANCE INSURANCE GROUP LLC3 | P.O. BOX 240518 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 49.39% |
| STACIA ROBINSON3 | 6008 E SHIRLEY LANE MONTGOMERY, AL 36117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $375 | $111 | $486 | 3.37% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AA 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $140 | $336 | $476 | 3.30% |
| MICHAEL G. HICKS3 Filed as: MICHAEL G HICKS | PO BOX 240518 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.06% |
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 | 385 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 776 | $4.0M |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 776 | $4.0M |
| Vision | COMPBENEFITS INSURANCE COMPANY | 248 | $43K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 393 | $96K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 389 | $38K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 776 | $4.0M |
| Other(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 776 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 776 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.