| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M.E. WILSON COMPANY, LLC3 Filed as: M.E. WILSON COMPANY LLC | 45 EGLIN PARKWAY NE SUITE 202 FORT WALTON BEACH, FL 32548 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $56K | — | $56K | 10.00% |
| NORTH FLORIDA FINANCIAL CORPOR3 | 3664 COOLIDGE COURT TALLAHASSE, FL 32311 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 0.69% |
| ABLE BENEFIT SOLUTIONS3 | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $2K | $17K | 9.84% |
| SAMUEL J REYNOLDS3 | 1400 JACK WARNER PKWY NE #40 PO BOX 11407 TUSCALOOSA, AL 35404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 2.10% |
| ANGELA DENNISE ROWLAND3 | 756 GRACE PARK N TUSCALOOSA, AL 35406 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 2.10% |
| WILLIAM GRANT BRUNER3 | 4694 MCGILL CT HOOVER, AL 35226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.05% |
| BRADFORD DILLION3 Filed as: BRADFORD SEAN DILLION | ABLE BENEFIT SOLUTIONS 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.05% |
| ABLE BENEFIT SOLUTIONS3 | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $1K | $14K | 9.74% |
| SAMUEL J REYNOLDS3 | 1400 JACK WARNER PKWY NE #40 TUSCALOOSA, AL 35404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.10% |
| ANGELA DENNISE ROWLAND3 | 756 GRACE PARK N TUSCALOOSA, AL 35406 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.10% |
| BRADFORD DILLION3 Filed as: BRADFORD SEAN DILLION | ABLE BENEFIT SOLUTIONS 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.05% |
| WILLIAM GRANT BRUNER3 | 4694 MCGILL CT HOOVER, AL 35226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.05% |
| ABLE BENEFIT SOLUTIONS3 | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $1K | $13K | 9.74% |
| SAMUEL J REYNOLDS3 | 1400 JACK WARNER PKWY NE #40 TUSCALOOSA, AL 35406 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.10% |
| ANGELA DENNISE ROWLAND3 | 756 GRACE PARK N TUSCALOOSA, AL 35406 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.10% |
| BRADFORD DILLION3 Filed as: BRADFORD SEAN DILLION | ABLE BENEFIT SOLUTIONS 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.05% |
| WILLIAM GRANT BRUNER3 | 4694 MCGILL CT HOOVER, AL 35226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.05% |
| ABLE BENEFIT SOLUTIONS3 | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $628 | $6K | 9.81% |
| ANGELA DENNISE ROWLAND3 | 756 GRACE PARK N TUSCALOOSA, AL 35406 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.10% |
| SAMUEL J REYNOLDS3 | 1400 JACK WARNER PKWY NE #40 TUSCALOOSA, AL 35404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.10% |
| WILLIAM GRANT BRUNER3 | 450 RIVERCHASE PKWY E HOOVER, AL 35244 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $591 | — | $591 | 1.05% |
| BRADFORD DILLION3 Filed as: BRADFORD SEAN DILLION | ABLE BENEFIT SOLUTIONS 3800 COLONNADE SOLUTIONS PKWY STE 240 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $591 | — | $591 | 1.05% |
| JASON BRADY & ASSOCIATES, INC3 | 1050 EDGEWATER LANE GULF BREEZE, FL 32563 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 31.38% |
| BRIAN V ANDREWS3 | 600 UNIVERSITY OFFICE PARK SUITE 12 PENSACOLA, FL 32504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.44% |
| DAMARIS DAVILA3 | 1055 REQUIN LANE PENSACOLA, FL 32514 | CONTINENTAL AMERICAN INSURANCE COMPANY | $173 | — | $173 | 0.42% |
| JOHN C POLLOCK3 | 6410 GUILFORD DRIVE PENSACOLA, FL 32504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $101 | — | $101 | 0.24% |
| JULIANA SHORES3 | 159 CALHOUN AVE DESTIN, FL 32541 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | — | $63 | 0.15% |
| SAIC INC3 | 4245 MILGEN RD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.06% |
| MATTHEW SHANE STRONG3 Filed as: MATTHEW S STRONG | 4437 SOUNDSID E DRIVE GULF BREEZE, FL 32563 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| JOHN TODD LEE3 | 322 FARMHOU SE RD ELLERSLIE, GA 31807 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTERFLEX PAYMENTS, LLC EIN 27-2256926 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $13K |
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 | 955 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 957 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,259 | $6.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 740 | $556K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 740 | $556K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 776 | $230K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 776 | $142K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 776 | $132K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,259 | $6.5M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,259 | $6.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,259 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.