| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANCE INSURANCE GROUP LLC3 | PO BOX 240518 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 11.12% |
| THOMAS JASON HICKS3 | P.O. BOX 240518 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.21% |
| STACIA ROBINSON3 | 6008 E SHIRLEY LANE MONTGOMERY, AL 36117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $598 | $23 | $621 | 0.86% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $260 | $132 | $392 | 0.54% |
| ANGELA WOODHAM3 Filed as: ANGELA HERRING WOODHAM | 23 TABERNACLE ROAD HOPE HULL, AL 36043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 35246 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $5K | $11K | 16.25% |
| CORRIE V WILBANKS3 | PO BOX 11812 MONTGOMERY, AL 36111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.00% |
| JOHN T WILLIAMS3 | 4465 PARK BLVD MONTGOMERY, AL 36116 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $700 | — | $700 | 1.00% |
| BRADFORD DILLION3 Filed as: BRADFORD S DILLION | 2 RIVERCHASE RIDGE SUITE 200 BIRMINGHAM, AL 35244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $700 | — | $700 | 1.00% |
| ABLE BENEFIT SOLUTIONS3 Filed as: ABLE BENEFIT SOLUTIONS - DEPT 2142 | PO BOX 11407 BIRMINGHAM, AL 35246 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 9.00% |
| CORRIE V WILBANKS3 | PO BOX 11812 MONTGOMERY, AL 36111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.90% |
| JOHN T WILLIAMS3 Filed as: JOHN TYLER WILLIAMS | 4465 PARK BLVD MONTGOMERY, AL 36116 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $665 | — | $665 | 1.05% |
| BRADFORD DILLION3 Filed as: BRADFORD SEAN DILLION | ABLE BENEFIT SOLUTIONS 2 RIVERCHASE RDG, STE 200 HOOVER, AL 35244 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $665 | — | $665 | 1.05% |
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: BLUE CROSS & BLUE SHIELD OF ALABAMA | 450 RIVERCHASE PKWY E HOOVER, AL 35244 | VISION SERVICE PLAN | $3K | — | $3K | 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 | 215 | 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) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 193 | $2.7M |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 193 | $2.7M |
| Vision | VISION SERVICE PLAN | 181 | $29K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 203 | $133K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 203 | $133K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 203 | $133K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 193 | $2.7M |
| Other(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 203 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.