| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $0 | $12K | 15.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.06% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.10% |
| ABLE BENEFIT SOLUTIONS3 | 3800 COLONNADE PARKWAY, SUITE 240 BIRMINGHAM, AL 35243 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.10% |
| KATHRYN S WILLIAMS3 Filed as: KATHRYN S. WILLIAMS | 4750 AIRPORT BOULEVARD MOBILE, AL 36608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $754 | $0 | $754 | 1.05% |
| JENNIFER MOORE ROBERTS3 | 4750 AIRPORT BOULEVARD MOBILE, AL 36608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $754 | $0 | $754 | 1.05% |
| JOSEPH P CALARCO3 Filed as: JOSEPH C. WALDEN | 33485 ALDER CIRCLE SPANISH FORT, AL 36527 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $377 | $0 | $377 | 0.53% |
| BRADFORD DILLION3 Filed as: BRADFORD S. DILLION | 3800 COLONNADE PARKWAY, SUITE 240 BIRMINGHAM, AL 35243 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $120 | $0 | $120 | 0.17% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $3K | $0 | $3K | 10.08% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 244 | $1.7M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 244 | $1.7M |
| Vision | VISION SERVICE PLAN | 108 | $26K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $154K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $154K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $154K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 244 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.