| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABLE BENEFIT SOLUTIONS3 | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| ABLE BENEFIT SOLUTIONS3 | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 4.01% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS & BLUE SHIELD OF ALABAMA | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35244 | VSP | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AUTOMOTIVE AFTERMARKET ASSOCIATION EIN 63-0013048 PLAN SPONSOR | Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 14 | 11245 CHANTILLY PKWY CT MONTGOMERY, AL 36117 | $237K |
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 | Claims processing Service code 12 | 450 RIVERCHASE PKWY EAST BIRMINGHAM, AL 35244 | $52K |
| ALDRIDGE, BORDEN & COMPANY, P.C. EIN 63-0781330 | Accounting (including auditing) Service code 10 | 74 COMMERCE STREET MONTGOMERY, AL 36104 | $15K |
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 | 944 | 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) | 944 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 944 | $11.4M |
| Vision | VSP | 623 | $0 |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 515 | $82K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 944 | $11.4M |
| Other | BLUE CROSS BLUE SHIELD OF ALABAMA | 944 | $11.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 944 | — |
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 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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.