| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UTIC INSURANCE COMPANY3 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 352442858 | BCS | — | $28K | $28K | 10.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS & BLUE SHIELD OF ALABAMA | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35244 | VSP | $14K | — | $14K | 10.00% |
| ABLE BENEFIT SOLUTIONS3 | DEPT 2142 P O BOX 11407 BIRMINGHAM, AL 35246 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $3K | $12K | 11.68% |
| CLAY T. STEED3 | P.O. BOX 1173 MONTROSE, AL 36559 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.00% |
| RICHARD E. BYRD3 | 3713 TUDOR LN MOBILE, AL 36608 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.00% |
| BRADFORD DILLION3 Filed as: BRADFORD SEAN DILLION | 2 RIVERCHASE RDGE STE 200 BIRMINGHAM, AL 35244 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.00% |
| DAVID ELMORE PLATT III3 Filed as: DAVID E. PLATT | 420 RIVERCHASE PKWY E HOOVER, AL 35244 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.00% |
| 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 | $1.6M |
| AUTOMOTIVE AFTERMARKET ASSOCIATION EIN 63-0013048 PLAN SPONSOR | Plan Administrator Service code 14 | 11245 CHANTILLY PKWY CT MONTGOMERY, AL 36117 | $627K |
| MERRILL LYNCH | Investment management Service code 28 | 4001 CARMICHAEL ROAD MONTGOMERY, AL 36106 | $79K |
| ALDRIDGE, BORDEN & COMPANY, P.C. EIN 63-0781330 | Accounting (including auditing) Service code 10 | 74 COMMERCE STREET MONTGOMERY, AL 36104 | $68K |
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 | 3,167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VSP | 1,105 | $138K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 821 | $104K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BCS | 2,875 | $455K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,875 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.