| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABLE BENEFIT SOLUTIONS3 | 3800 COLONNADE PKWY #240 BIRMINGHAM, AL 35243 | LINCOLN FINANCIAL GROUP | $16K | — | $16K | 13.83% |
| KATHRYN S WILLIAMS3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN FINANCIAL GROUP | $534 | — | $534 | 0.47% |
| ROBERT D VOUGHT3 Filed as: ROBERT D VAUGHN | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN FINANCIAL GROUP | $534 | — | $534 | 0.47% |
| JOSEPH P CALARCO3 Filed as: JOSEPH C WALDEN | 33485 ALDER CIR SPANISH FORT, AL 36527 | LINCOLN FINANCIAL GROUP | $267 | — | $267 | 0.23% |
| ABLE BENEFIT SOLUTIONS3 | 3800 COLONNADE PKWY #240 BIRMINGHAM, AL 35243 | LINCOLN FINANCIAL GROUP | $16K | — | $16K | 13.83% |
| KATHRYN S WILLIAMS3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN FINANCIAL GROUP | $531 | — | $531 | 0.47% |
| ROBERT D VOUGHT3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN FINANCIAL GROUP | $531 | — | $531 | 0.47% |
| ABLE BENEFIT SOLUTIONS3 Filed as: ABLE BENEFITS SOLUTIONS | 3800 COLONNADE PKWY #240 BIRMINGHAM, AL 35243 | LINCOLN FINANCIAL GROUP | $12K | — | $12K | 13.87% |
| KATHRYN S WILLIAMS3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN FINANCIAL GROUP | $388 | — | $388 | 0.45% |
| ROBERT D VOUGHT3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN FINANCIAL GROUP | $388 | — | $388 | 0.45% |
| JOSHUA C WALDEN3 | 33485 ALDER CIR SPANISH FORT, AL 36527 | LINCOLN FINANCIAL GROUP | $194 | — | $194 | 0.22% |
| ABLE BENEFIT SOLUTIONS3 | 3800 COLONNADE PKWY #240 BIRMINGHAM, AL 35243 | LINCOLN FINANCIAL GROUP | $10K | — | $10K | 13.81% |
| KATHRYN S WILLIAMS3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN FINANCIAL GROUP | $349 | — | $349 | 0.48% |
| ROBERT D VOUGHT3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN FINANCIAL GROUP | $349 | — | $349 | 0.48% |
| JOSEPH P CALARCO3 Filed as: JOSEPH C WALDEN | 33485 ALDER CIR SPANISH FORT, AL 36527 | LINCOLN FINANCIAL GROUP | $175 | — | $175 | 0.24% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS 22ND FL NEW YORK, NY 10036 | AIG PROPERTY CASUALTY | $13K | — | $13K | 20.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF ALABAMA | 450 RIVERCHASE PKWY E BIRMINGHAM, AL 35298 | VISION SERVICE PLAN | $5K | — | $5K | 9.97% |
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 | 445 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBS OF ALABAMA | 445 | $4.6M |
| Dental | BCBS OF ALABAMA | 415 | $25K |
| Vision | VISION SERVICE PLAN | 384 | $48K |
| Life insurance(3 contracts) | LINCOLN FINANCIAL GROUP | 568 | $274K |
| Long-term disability | LINCOLN FINANCIAL GROUP | 568 | $114K |
| Prescription drug | BCBS OF ALABAMA | 445 | $4.6M |
| Other(3 contracts, 3 carriers) | BCBS OF ALABAMA | 527 | $4.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 568 | — |
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.