| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALDORFF INSURANCE & BONDING INC3 Filed as: WALDORFF INSURANCE & BONDING I | PO BOX 886 MARY ESTHER, FL 325690886 | UNITED CONCORDIA INSURANCE COMPANY | $23K | — | $23K | 9.14% |
| ABLE BENEFIT SOLUTIONS3 | P O BOX 11407 DEPT #2142 BIRMINGHAM, AL 352460100 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $10K | 12.29% |
| SAMUEL J REYNOLDS3 | 1400 JACK WARNER PKWY NE #40 TUSCALOOSA, AL 354041002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.95% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: JERMAINE JOLLY | 6612 HEMLOCK ST TRUSSVILLE, AL 351731820 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.95% |
| BRADFORD DILLION3 Filed as: BRADFORD SEAN DILLION | ABLE BENEFIT SOLUTIONS HOOVER, AL 352442892 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $817 | — | $817 | 1.05% |
| ABLE BENEFIT SOLUTIONS3 | P O BOX 11407 DEPT #2142 BIRMINGHAM, AL 352460100 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $8K | 12.05% |
| SAMUEL J REYNOLDS3 | 1400 JACK WARNER PKWY NE #40 TUSCALOOSA, AL 354041002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.95% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: JERMAINE JOLLY | 6612 HEMLOCK ST TRUSSVILLE, AL 351731820 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.95% |
| BRADFORD DILLION3 Filed as: BRADFORD SEAN DILLION | ABLE BENEFIT SOLUTIONS 2 RIVERCHASE RDG STE 200 HOOVER, AL 352442892 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $684 | — | $684 | 1.05% |
| ABLE BENEFIT SOLUTIONS3 | P O BOX 11407 DEPT #2142 BIRMINGHAM, AL 352460100 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $7K | 12.06% |
| SAMUEL J REYNOLDS3 | 1400 JACK WARNER PKWY NE #40 TUSCALOOSA, AL 354041002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.95% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: JERMAINE JOLLY | 6612 HEMLOCK ST TRUSSVILLE, AL 351731820 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.95% |
| BRADFORD DILLION3 Filed as: BRADFORD SEAN DILLION | ABLE BENEFIT SOLUTIONS 2 RIVERCHASE RDG STE 200 HOOVER, AL 352442892 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $642 | — | $642 | 1.05% |
| WALDORFF INSURANCE & BONDING INC3 | 45 EGLIN PKWY NE STE 202 FT WALTON BCH, FL 392151490 | COMPBENEFITS | $5K | — | $5K | 14.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INS INC | PO BOX 1490 JACKSON, ME 392151490 | COMPBENEFITS | $3K | — | $3K | 7.69% |
| ABLE BENEFIT SOLUTIONS3 | P O BOX 11407 DEPT #2142 BIRMINGHAM, AL 352460100 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $672 | $4K | 12.24% |
| SAMUEL J REYNOLDS3 | 1400 JACK WARNER PKWY NE #40 TUSCALOOSA, AL 354041002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $600 | — | $600 | 1.95% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: JERMAINE JOLLY | 6612 HEMLOCK ST TRUSSVILLE, AL 351731820 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $600 | — | $600 | 1.95% |
| BRADFORD DILLION3 Filed as: BRADFORD SEAN DILLION | ABLE BENEFIT SOLUTIONS 2 RIVERCHASE RDG STE 200 HOOVER, AL 352442892 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $323 | — | $323 | 1.05% |
| JASON A BRADY3 | 4127 OAK POINTE DR GULF BREEZE, FL 32566 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 15.60% |
| BRIAN V ANDREWS3 | 600 UNIVERSITY OFFICE PARK SUITE 12 PENSACOLA, FL 32504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $333 | — | $333 | 2.25% |
| JULIANA SHORES3 | 159 CALHOUN AVE PENSACOLA, FL 32541 | CONTINENTAL AMERICAN INSURANCE COMPANY | $314 | — | $314 | 2.12% |
| JOHN C POLLOCK3 | 6410 GUILFORD DRIVE PENSACOLA, FL 32504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $283 | — | $283 | 1.91% |
| SAIC INC3 | 4245 MILGEN RD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | — | $56 | 0.38% |
| MATTHEW SHANE STRONG3 Filed as: MATTHEW S STRONG | 4437 SOUNDSIDE DRIVE GULF BREEZE, AL 32563 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | — | $55 | 0.37% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, FL 31807 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.12% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERIFLEX, LLC EIN 22-3639401 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $7K |
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 | 396 | 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) | 396 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 498 | $2.4M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 65 | $247K |
| Vision | COMPBENEFITS | 277 | $37K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 396 | $109K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 396 | $65K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 396 | $61K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 498 | $2.4M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 498 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 498 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.