| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABLE BENEFIT SOLUTIONS3 Filed as: ABLE BENEFIT SOLUTIONS INC | PO BOX 11407 DEPT # 2142 BIRMINGHAM, AL 35246 | USABLE LIFE | $34K | — | $34K | 16.10% |
| ABLE BENEFIT SOLUTIONS3 Filed as: ABLE BENEFIT SOLUTIONS INC | PO BOX 11407 DEPT # 2142 BIRMINGHAM, AL 35246 | USABLE LIFE | $23K | — | $23K | 15.89% |
| ABLE BENEFIT SOLUTIONS3 Filed as: ABLE BENEFIT SOLUTIONS INC | PO BOX 11407 DEPT # 2142 BIRMINGHAM, AL 35246 | USABLE LIFE | $12K | — | $12K | 16.80% |
| ABLE BENEFIT SOLUTIONS3 Filed as: ABLE BENEFIT SOLUTIONS INC | PO BOX 11407 DEPT # 2142 BIRMINGHAM, AL 35246 | USABLE LIFE | $12K | — | $12K | 16.54% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $3K | — | $3K | 20.00% |
| ABLE BENEFIT SOLUTIONS3 Filed as: ABLE BENEFIT SOLUTIONS INC | PO BOX 11407 DEPT # 2142 BIRMINGHAM, AL 35246 | USABLE LIFE | $2K | — | $2K | 16.36% |
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 | 957 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 964 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,176 | $6.6M |
| Vision | VISION SERVICE PLAN | 555 | $61K |
| Life insurance(2 contracts) | USABLE LIFE | 810 | $218K |
| Short-term disability | USABLE LIFE | 303 | $71K |
| Long-term disability | USABLE LIFE | 810 | $208K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,176 | $6.6M |
| Other(5 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,176 | $6.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,176 | — |
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.