| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABLE BENEFIT SOLUTIONS3 | 3800 COLONNADE PKWY SUITE 240 BIRMINGHAM, AL 35243 | SUN LIFE ASSURANCE COMPANY OF CANADA | $31K | — | $31K | 6.95% |
| WILLIAMS, KATHRYN SCRUGGS3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | — | $13K | 2.99% |
| VOUGHT,ROBERT DAVID3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | — | $13K | 2.99% |
| DILLION, BRADFORD SEAN3 | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 1.00% |
| WALDEN, JOSEPH CLAY3 | 33485 ALDER CIR SPANISH FORT, AL 36527 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 1.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS, 22ND F NEW YORK, NY 10036 | NATIONAL UNION FIRE INS. SO. OF PITTSBURGH | $14K | — | $14K | 20.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS & BLUE SHIELD OF ALABAMA | 450 RIVERCHASE PKWY E HOOVER, AL 35244 | VISION SERVICE PLAN | $5K | — | $5K | 9.13% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | WESCO INSURANCE COMPANY | $2K | — | $2K | 15.93% |
| AMSTERDAM CONSULTING GROUP INC3 | 50 JERICHO TPKE, STE 110 JERICHO, NJ 11753 | WESCO INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF ALABA EIN 63-0103830 UNRELATED 3RD PARTY | Plan Administrator; Contract Administrator Service code 13 | 450 RIVERCHASE PARKWAY EAST P.O. BOX 995 BIRMINGHAM, AL 35298 | $29K |
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 | 526 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 526 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 526 | $4.6M |
| Vision | VISION SERVICE PLAN | 479 | $55K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 652 | $444K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 652 | $444K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 652 | $444K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 526 | $4.6M |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 628 | $4.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 652 | — |
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.