| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 DEPT # 2142 BIRMINGHAM, AL 35246 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 5.00% |
| VOUGHT,ROBERT DAVID3 Filed as: VOUGHT ROBERT | 4750 AIRPORT BLVD MOBILE, AL 36608 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 4.00% |
| RUSS, ROBIN COOPER3 Filed as: RUSS ROBIN | 4750 AIRPORT BLVD MOBILE, AL 36608 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 4.00% |
| DILLION, BRADFORD3 Filed as: DILLION BRADFORD | 2 RIVERCHASE RDG STE 200 BIRMINGHAM, AL 35244 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 1.00% |
| WALDEN, JOSEPH CLAY3 Filed as: WALDEN JOSEPH | 33485 ALDER CIR SPANISH FORT, AL 36527 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 1.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 125 OTTAWA AVE NW STE 400 CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 20.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS & BLUE SHIELD OF ALABAMA | 450 RIVERCHASE PKWY E HOOVER, AL 352442858 | VISION SERVICE PLAN | $3K | $0 | $3K | 10.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 350 FIFTH AVE #3700 EMPIRE ST BLDG NEW YORK, NY 10018 | WESCO INSURANCE COMPANY | $413 | $0 | $413 | 23.02% |
| AMSTERDAM CONSULTING GROUP INC3 | 50 JERICHO TPKE STE 110 JERICHO, NY 11753 | WESCO INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
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 | 307 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 307 | $1.2M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 307 | $1.2M |
| Vision | VISION SERVICE PLAN | 387 | $32K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 373 | $127K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 373 | $127K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 373 | $127K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 307 | $1.2M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 307 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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.