| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAMUEL J REYNOLDS3 Filed as: SAMUEL REYNOLDS | 1400 JACK WARNER PKWY STATION #40 TUSCALOOSA, AL 35404 | USABLE LIFE | $4K | $0 | $4K | 5.17% |
| UNITED TRUST INSURANCE COMPANY3 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35244 | USABLE LIFE | $4K | $0 | $4K | 4.96% |
| WILLIAM G. BRUNER3 Filed as: WILLIAM SWIFT | 420 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35244 | USABLE LIFE | $3K | $0 | $3K | 3.21% |
| ABLE BENEFIT SOLUTIONS3 Filed as: ABLE BENEFIT SOLUTIONS INC | PO BOX 11407 DEPT #2142 BIRMINGHAM, AL 35246 | USABLE LIFE | $2K | $0 | $2K | 2.25% |
| WILLIAM GRANT BRUNER3 Filed as: WILLIAM BRUNER | 4694 MCGILL CT HOOVER, AL 35226 | USABLE LIFE | $799 | $0 | $799 | 1.00% |
| ABLE BENEFIT SOLUTIONS3 | 2 RIVERCHASE PARKWAY E BIRMINGHAM, AL 35244 | HM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
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 | 207 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 202 | $829K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 240 | $81K |
| Vision | HM LIFE INSURANCE COMPANY | 155 | $12K |
| Life insurance | USABLE LIFE | 132 | $80K |
| Short-term disability | USABLE LIFE | 132 | $80K |
| Long-term disability | USABLE LIFE | 132 | $80K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 202 | $829K |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 202 | $908K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.