| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS | 1824 28TH ST S BIRMINGHAM, AL 35209 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $12K | $0 | $12K | 15.00% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS | 1824 28TH ST S HOMEWOOD, AL 35209 | SOUTHAND DENTAL CORPORATION | $4K | — | $4K | 9.99% |
| BENEFIT SOLUTIONS, CREATIVE3 | 1824 28TH STREET S HOMEWOOD, AL 35209 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.93% |
| INC, AHA FINANCIAL SOLUTIONS3 Filed as: INC. AHA FINANCIAL SOULTIONS | 155 N WACKER DR SUITE 400 CHICAGO, IL 60606 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $30 | $0 | $30 | 0.15% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS | 1824 28TH AVE S HOMEWOOD, AL 352092606 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.77% |
| GRIFFIN, STEVEN, RAY3 | STE 1400 2000 MORRIS AVE BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27 | $0 | $27 | 5.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF AL EIN 63-0103830 NONE | Contract Administrator Service code 13 | — | $82K |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SOUTHAND DENTAL CORPORATION | 140 | $38K |
| Vision | VISION SERVICE PLAN | 134 | $18K |
| Life insurance | BOSTON MUTUAL LIFE INSURANCE COMPANY | 181 | $83K |
| Short-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 181 | $83K |
| Long-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 181 | $83K |
| Other(4 contracts, 3 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 181 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.