| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA Filed as: BCBS OF ALABAMA | PO BOX 995 BIRMINGHAM, AL 35298 | BLUE CROSS BLUE SHIELD OF ALABAMA | — | — | $0 | 0.00% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 352462142 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $5K | $14K | 13.63% |
| ROBERT D VOUGHT3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.00% |
| KATHRYN S WILLIAMS3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.00% |
| JOSEPH P CALARCO3 Filed as: JOSEPH C WALDEN | 33485 ALDER CIR SPANISH FORT, AL 36527 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.00% |
| BRADFORD DILLION3 Filed as: BRADFORD S DILLION | 3800 COLONNADE PKWY BIRMINGHAM, AL 35243 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $974 | — | $974 | 0.92% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 352462142 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $5K | $14K | 13.67% |
| ROBERT D VOUGHT3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.00% |
| KATHRYN S WILLIAMS | 4750 AIRPORT BLVD MOBILE, AL 36608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.00% |
| JOSEPH P CALARCO3 Filed as: JOSEPH C WALDEN | 33485 ALDER CIR SPANISH FORT, AL 36527 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.00% |
| BRADFORD DILLION3 Filed as: BRADFORD S DILLION | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $969 | — | $969 | 0.92% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 352462142 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $3K | $10K | 12.96% |
| ROBERT D VOUGHT3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.00% |
| KATHRYN S WILLIAMS3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.00% |
| JOSEPH P CALARCO3 Filed as: JOSEPH C WALDEN | 33485 ALDER CIR SPANISH FORT, AL 36527 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $796 | — | $796 | 1.00% |
| BRADFORD DILLION3 Filed as: BRADFORD S DILLION | 3800 COLONNADE PKWY BIRMINGHAM, AL 35243 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $728 | — | $728 | 0.91% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS 22ND FL NEW YORK, NY 10036 | NATIONAL UNION FIRE INS. CO OF PITTSBURGH | $14K | — | $14K | 20.00% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 352462142 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $3K | $9K | 13.85% |
| ROBERT D VOUGHT3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.00% |
| KAHRYN S WILLIAMS3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.00% |
| JOSEPH P CALARCO3 Filed as: JOSEPH C WALDEN | 33485 ALDER CIR SPANISH FORT, AL 36527 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $672 | — | $672 | 1.00% |
| BRADFORD DILLION3 Filed as: BRADFORD S DILLION | 3800 COLONNADE PKWY BIRMINGHAM, AL 35243 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $618 | — | $618 | 0.92% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS & BLUE SHIELD OF ALABAMA | 450 RIVERCHASE PKWY E BIRMINGHAM, AL 35298 | VISION SERVICE PLAN | — | $5K | $5K | 9.22% |
| NEW DIRECTIONS BEHAVIORAL HEALTH | PO BOX 87-0195 KANSAS CITY, MO 64187 | NEW DIRECTIONS BEHAVIORAL HEALTH | — | — | $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 | 519 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 519 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 433 | $44.6M |
| Vision | VISION SERVICE PLAN | 387 | $50K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 519 | $185K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 519 | $106K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 433 | $44.6M |
| Other(5 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 550 | $44.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 550 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.