| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABLE BENEFIT SOLUTIONS3 | DEPT 2142 P O BOX 11407 BIRMINGHAM, AL 35246 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $5K | $14K | 14.86% |
| CLAY T. STEED3 | P.O. BOX 1173 MONTROSE, AL 36559 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.96% |
| CLIFF A. MOORE3 | 4326 CLAIRMONT AVE S BIRMINGHAM, AL 35222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.63% |
| BRADFORD DILLION3 Filed as: BRADFORD SEAN DILLION | 2 RIVERCHASE RDGE STE 200 BIRMINGHAM, AL 35244 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $970 | — | $970 | 1.04% |
| WILLIAM GRANT BRUNER3 | 450 RIVERCHASE PKWY E HOOVER, AL 35244 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $816 | — | $816 | 0.88% |
| RICHARD E. BYRD3 | 3713 TUDOR LN MOBILE, AL 36608 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $308 | — | $308 | 0.33% |
| DAVID ELMORE PLATT III3 Filed as: DAVID E. PLATT | 420 RIVERCHASE PKWY E HOOVER, AL 35244 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $154 | — | $154 | 0.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 | Claims processing Service code 12 | 450 RIVERCHASE PKWY EAST BIRMINGHAM, AL 35244 | $1.5M |
| AUTOMOTIVE AFTERMARKET ASSOCIATION EIN 63-0013048 PLAN SPONSOR | Plan Administrator Service code 14 | 11245 CHANTILLY PKWY CT MONTGOMERY, AL 36117 | $564K |
| MERRILL LYNCH | Investment management Service code 28 | 4001 CARMICHAEL ROAD MONTGOMERY, AL 36106 | $75K |
| ALDRIDGE, BORDEN & COMPANY, P.C. EIN 63-0781330 | Accounting (including auditing) Service code 10 | 74 COMMERCE STREET MONTGOMERY, AL 36104 | $59K |
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 | 2,686 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,704 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMPBENEFITS | 748 | $112K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 752 | $93K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BCS | 2,483 | $396K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,483 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.