| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UTIC INSURANCE COMPANY3 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 352442858 | BCS | — | $39K | $39K | 10.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS & BLUE SHIELD OF ALABAMA | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35244 | VSP | $18K | — | $18K | 10.00% |
| ABLE BENEFIT SOLUTIONS3 | DEPT 2142 P O BOX 11407 BIRMINGHAM, AL 35246 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $7K | $17K | 14.98% |
| RICHARD E. BYRD3 | 513 ARTESIAN SPRINGS DR FAIRHOPE, AL 36532 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 3.73% |
| BRADFORD DILLION3 Filed as: BRADFORD SEAN DILLION | 2 RIVERCHASE RDGE STE 200 BIRMINGHAM, AL 35244 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.05% |
| CLAY T. STEED3 | P.O. BOX 1173 MONTROSE, AL 36559 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $870 | — | $870 | 0.78% |
| JAMES SHEW3 Filed as: JAMES IRA SHEW | 450 RIVERSHASE PKWY EAST BC1 BIRMINGHAM, AL 35244 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $397 | — | $397 | 0.35% |
| DAVID ELMORE PLATT III3 Filed as: DAVID E. PLATT | 420 RIVERCHASE PKWY E HOOVER, AL 35244 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $97 | — | $97 | 0.09% |
| 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 | $2.1M |
| AUTOMOTIVE AFTERMARKET ASSOCIATION EIN 63-0013048 PLAN SPONSOR | Plan Administrator Service code 14 | 11245 CHANTILLY PKWY CT MONTGOMERY, AL 36117 | $597K |
| MERRILL LYNCH | Investment management Service code 28 | 4001 CARMICHAEL ROAD MONTGOMERY, AL 36106 | $78K |
| ALDRIDGE, BORDEN & COMPANY, P.C. EIN 63-0781330 | Accounting (including auditing) Service code 10 | 74 COMMERCE STREET MONTGOMERY, AL 36104 | $38K |
| GILPIN GIVHAN, P.C. EIN 63-0847927 | Legal Service code 29 | 2600 EASTCHASE LN 300 MONTGOMERY, AL 36117 | $6K |
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 | 3,368 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VSP | 1,363 | $176K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 830 | $112K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BCS | 3,202 | $551K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,202 | — |
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."
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.