| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABLE BENEFIT SOLUTIONS3 Filed as: ABLE BENEFIT SOLUTIONS - DEPT 2142 | PO BOX 11407 BIRMINGHAM, AL 35246 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $3K | $13K | 11.65% |
| INSGROUP INC3 Filed as: FIRST INS GROUP OF THE MIDWEST INC | 511 5GH ST DEFIANCE, OH 43512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 4.02% |
| CORRIE V WILBANKS3 | PO BOX 11812 MONTGOMERY, AL 36111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.19% |
| BRADFORD DILLION3 Filed as: BRADFORD SEAN DILLION | ABLE BENEFIT SOLUTIONS 2 RIVERCHASE RDG, STE 200 HOOVER, AL 35244 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $471 | — | $471 | 0.42% |
| TROY MAXWELL3 Filed as: TROY ALLEN MAXWELL | 3320 SKYWAY PROF PARK STE 601 OPELIKA, AL 36801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $471 | — | $471 | 0.42% |
| ALLIANCE INSURANCE GROUP LLC3 | PO BOX 240518 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 9.67% |
| CAROLE H WARREN3 | 2716 HANOVER CIRCLE BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $559 | $310 | $869 | 1.23% |
| KARA HUGHES PARDUE3 | 3769 NORTH WOODRIDGE RD BIRMINGHAM, AK 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $499 | $356 | $855 | 1.21% |
| PJ SKELTON LLC3 | 19 BUNGALOW CT PIKE ROAD, AL 36064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $141 | $280 | $421 | 0.60% |
| STACIA ROBINSON3 | 6008 E SHIRLEY LANE MONTGOMERY, AL 36117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $326 | $5 | $331 | 0.47% |
| BARDEN AND ASSOCIATES LLC3 Filed as: BARDEN & ASSOCIATES LLC | 344 KARIS DR DADEVILLE, AL 36853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $141 | $93 | $234 | 0.33% |
| THOMAS JASON HICKS3 | P.O. BOX 240518 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $220 | — | $220 | 0.31% |
| DAVID TYLER BURRUS3 | 254 STRATHAVEN LANE PELHAM, AL 35124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $147 | $194 | 0.28% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $151 | — | $151 | 0.21% |
| TODD BOOZER3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $1 | $43 | 0.06% |
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: BLUE CROSS & BLUE SHIELD OF ALABAMA | 450 RIVERCHASE PKWY E HOOVER, AL 35244 | VISION SERVICE PLAN | $2K | — | $2K | 11.01% |
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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 306 | $2.1M |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 306 | $2.1M |
| Vision | VISION SERVICE PLAN | 149 | $22K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 174 | $113K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 174 | $113K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 174 | $113K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 306 | $2.1M |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 306 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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.