| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS & BLUE SHIELD OF ALABAMA | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35244 | VSP | — | — | $0 | 0.00% |
| ABLE BENEFIT SOLUTIONS3 | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| ABLE BENEFIT SOLUTIONS3 | DEPT 2142 P O BOX 11407 BIRMINGHAM, AL 35246 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| RICHARD E. BYRD3 | 513 ARTESIAN SPRINGS DR FAIRHOPE, AL 36532 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| BRADFORD DILLION3 Filed as: BRADFORD SEAN DILLION | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| CLAY T. STEED3 | 7 TROON SHOAL CREEK, AL 35242 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 1,162 | 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) | 1,162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 1,086 | $12.7M |
| Vision | VSP | 1,246 | $86K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 712 | $83K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 1,086 | $12.7M |
| Other | BLUE CROSS BLUE SHIELD OF ALABAMA | 1,086 | $12.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,246 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.