| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 35246 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 8.86% |
| CHRYSTALLE DUNCAN3 | 6439 MIDTOWNE LANE NW HUNTSVILLE, AL 35806 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.00% |
| JAMES M WATKINS3 Filed as: JAMES WATKINS | 495 WYNN DRIVE HUNTSVILLE, AL 35805 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $349 | — | $349 | 1.00% |
| BRADFORD DILLION3 | 3800 COLONNADE PARKWAY BIRMINGHAM, AL 35243 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $317 | — | $317 | 0.91% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 35246 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $926 | $686 | $2K | 8.86% |
| CHRYSTALLE DUNCAN3 | 6439 MIDTOWNE LANE NW HUNTSVILLE, AL 35806 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.99% |
| JAMES M WATKINS3 Filed as: JAMES WATKINS | 495 WYNN DRIVE HUNTSVILLE, AL 35805 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $182 | — | $182 | 1.00% |
| BRADFORD DILLION3 | 3800 COLONNADE PARKWAY SUITE 240 BIRMINGHAM, AL 35243 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $165 | — | $165 | 0.91% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 35246 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $677 | $501 | $1K | 8.85% |
| CHRYSTALLE DUNCAN3 | 6439 MIDTOWNE LANE NW HUNTSVILLE, AL 35806 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 8.00% |
| JAMES M WATKINS3 Filed as: JAMES WATKINS | 495 WYNN DRIVE HUNTSVILLE, AL 35805 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $133 | — | $133 | 1.00% |
| BRADFORD DILLION3 | 3800 COLONNADE PARKWAY SUITE 240 BIRMINGHAM, AL 35243 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $120 | — | $120 | 0.90% |
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 | 117 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 117 | $35K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 117 | $13K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 117 | $18K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 117 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.