| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 35246 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $747 | $3K | 12.26% |
| ROBERT D VOUGHT3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $917 | — | $917 | 4.00% |
| JOSEPH CLAY WALDEN3 | 33485 ALDER CIR SPANISH FORT, AL 36527 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $229 | — | $229 | 1.00% |
| BRADFORD DILLION3 Filed as: BRADFORD SEAN DILLION | 2 RIVERCHASE RDG STE 200 BIRMINGHAM, AL 35244 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $229 | — | $229 | 1.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVENUE N #1200 BIRMINGHAM, AL 352032775 | COMPBENEFITS INSURANCE COMPANY | $914 | — | $914 | 6.80% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 35246 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $349 | $1K | 12.08% |
| ROBERT D VOUGHT3 Filed as: ROBERT D. VOUGHT | 4750 AIRPORT BLVD MOBILE, AL 36608 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $453 | — | $453 | 4.00% |
| JOSEPH CLAY WALDEN3 | 33485 ALDER CIR SPANISH FORT, AL 36527 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $113 | — | $113 | 1.00% |
| BRADFORD DILLION3 Filed as: BRADFORD SEAN DILLION | 2 RIVERCHASE RDG STE 200 BIRMINGHAM, AL 35244 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $113 | — | $113 | 1.00% |
| SEE SCHEDULE ATTACHED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE CO | $965 | $363 | $1K | 11.95% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 35246 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $758 | $277 | $1K | 12.28% |
| ROBERT D VOUGHT3 Filed as: ROBERT D. VOUGHT | 4750 AIRPORT BLVD MOBILE, AL 36608 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $84 | — | $84 | 1.00% |
| JOSEPH CLAY WALDEN3 | 33485 ALDER CIR SPANISH FORT, AL 36527 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $84 | — | $84 | 1.00% |
| BRADFORD DILLION3 Filed as: BRADFORD SEAN DILLION | 2 RIVERCHASE RDG STE 200 BIRMINGHAM, AL 35244 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $84 | — | $84 | 1.00% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 35246 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $640 | $230 | $870 | 12.23% |
| ROBERT D VOUGHT3 Filed as: ROBERT D. VOUGHT | 4750 AIRPORT BLVD MOBILE, AL 36608 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $284 | — | $284 | 3.99% |
| JOSEPH CLAY WALDEN3 | 33485 ALDER CIR SPANISH FORT, AL 36527 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $71 | — | $71 | 1.00% |
| BRADFORD DILLION3 Filed as: BRADFORD SEAN DILLION | 2 RIVERCHASE RDG STE 200 BIRMINGHAM, AL 35244 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $71 | — | $71 | 1.00% |
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 | 108 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 108 | $1.1M |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 108 | $1.1M |
| Vision | COMPBENEFITS INSURANCE COMPANY | 79 | $13K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $30K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 26 | $22K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 108 | $1.1M |
| Other(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 121 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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 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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.