| 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 | $902 | — | $902 | 10.00% |
| LISA TERRY3 | 3011 JASMINE ROAD MONTGOMERY, AL 36111 | USABLE LIFE | $135 | — | $135 | 1.50% |
| RANDALL TUCKER3 | 4465 PARK BOULEVARD MONTGOMERY, AL 36116 | USABLE LIFE | $135 | — | $135 | 1.50% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: TROY MAXWELL C/O BCBS OF AL | 3320 SKYLINE DRIVE SUITE 601 OPELIKA, AL 36801 | USABLE LIFE | $90 | — | $90 | 1.00% |
| MILTON CULVER3 | 130 INVERNESS PLAZA BIRMINGHAM, AL 35242 | SOUTHLAND BENEFIT SOLUTIONS | $424 | — | $424 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| APA SERVICE CORP. EIN 47-2068480 ADMINISTRATION | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 1211 CARMICHAEL WAY MONTGOMERY, AL 36106 | $518K |
| CARR RIGGS & INGRAM, LLC EIN 72-1396621 CPA | Accounting (including auditing) Service code 10 | 7550 HALYCON SUMMIT DRIVE MONTGOMERY, AL 36117 | $17K |
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 | 1,066 | 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) | 1,066 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 684 | $6.6M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 684 | $6.6M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 684 | $6.6M |
| Other | USABLE LIFE | 174 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 684 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.