| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 35246 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 9.00% |
| BRENDA ADKINSON BARNES3 | 822 BOAT LANDING ROAD GORDON, AL 36343 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.69% |
| GARY M. STOREY3 | PO BOX 6751 DOTHAN, AL 36303 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $815 | — | $815 | 1.31% |
| BRADFORD DILLION3 Filed as: BRADFORD S. DILLION | 2 RIVERCHASE RIDGE, SUITE 200 BIRMINGHAM, AL 35244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $622 | — | $622 | 1.00% |
| RICHARD E. BYRD3 | 3713 TUDOR LANE SOUTH MOBILE, AL 36608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $383 | — | $383 | 0.62% |
| JOHN T WILLIAMS3 Filed as: JOHN T. WILLIAMS | 4465 PARK BOULEVARD MONTGOMERY, AL 36116 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $239 | — | $239 | 0.38% |
| ABLE BENEFIT SOLUTIONS3 | 2 RIVERCHASE RIDGE, SUITE 200 HOOVER, AL 35244 | VISION SERVICE PLAN | $747 | — | $747 | 2.21% |
| BRENDA ADKINSON BARNES3 | 822 BOAT LANDING ROAD GORDON, AL 36343 | VISION SERVICE PLAN | $289 | — | $289 | 0.85% |
| GARY M. STOREY3 Filed as: GARY STOREY | 1102 SELKIRK DRIVE DOTHAN, AL 36303 | VISION SERVICE PLAN | $159 | — | $159 | 0.47% |
| BRADFORD DILLION3 Filed as: BRADFORD DILLON | 3556 KINGSHILL ROAD MOUNTAIN BREAK, AL 35223 | VISION SERVICE PLAN | $149 | — | $149 | 0.44% |
| RICHARD E. BYRD3 | 3713 TUDOR LANE MOBILE, AL 36608 | VISION SERVICE PLAN | $149 | — | $149 | 0.44% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 35246 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $895 | $222 | $1K | 11.23% |
| GARY M. STOREY3 | 117 ADRIS PLACE DOTHAN, AL 36303 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $398 | — | $398 | 4.00% |
| RICHARD E. BYRD3 | 3713 TUDOR LANE SOUTH MOBILE, AL 36608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $99 | — | $99 | 1.00% |
| BRADFORD DILLION3 Filed as: BRADFORD S. DILLION | 2 RIVERCHASE RIDGE, SUITE 200 BIRMINGHAM, AL 35244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $99 | — | $99 | 1.00% |
| MELINDA M MITCHELL3 Filed as: MELINDA M. MITCHELL | 105 FOXMORE DRIVE DOTHAN, AL 36305 | THE COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 2.21% |
| MICHAEL G. HICKS3 | PO BOX 240518 MONTGOMERY, AL 36124 | THE COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.47% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE AND ASSOCIATES, INC. | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | THE COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.47% |
| DHIXIE L TONGOL-DUNCAN3 Filed as: DHIXIE L. TONGOL-DUNCAN | 3558 SOUTH GEORGETOWN DRIVE MONTGOMERY, AL 36109 | THE COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.47% |
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 | 367 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 264 | $34K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 367 | $73K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 367 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.