| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABLE BENEFIT SOLUTIONS3 | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE | $9K | $4K | $13K | 15.57% |
| WILLIAM G. BRUNER3 Filed as: WILLIAM SWIFT | 420 RIVERCHASE PKWY E HOOVER, AL 35244 | UNITED OF OMAHA LIFE INSURANCE | $2K | — | $2K | 2.79% |
| BRADFORD DILLION3 | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE | $619 | — | $619 | 0.75% |
| WILLIAM GRANT BRUNER3 | 4694 MCGIL CT HOOVER, AL 35226 | UNITED OF OMAHA LIFE INSURANCE | $619 | — | $619 | 0.75% |
| RUTHERFORD FINANCIAL SERVICES INC. Filed as: MCGRIF INSURANCE SERVICES INC | 3605 GLENWOOD AVENUE, SUITE 201 RALEIGH, NC 276123908 | HUMANA VISION | — | — | $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 | 110 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 110 | $1.7M |
| Dental | BLUE CROSS BLUE SHIELD DENTAL | 104 | $53K |
| Vision | HUMANA VISION | 0 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE | 0 | $82K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE | 0 | $82K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE | 0 | $82K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 110 | $1.7M |
| Other | HORIZON HEALTHCARE SERVICES, INC. | 110 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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 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.