| 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 | $835 | $3K | 13.20% |
| ROBERT D VOUGHT3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $796 | — | $796 | 4.00% |
| JOSEPH CLAY WALDEN3 | 33485 ALDER CIR SPANISH FORT, AL 36527 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $199 | — | $199 | 1.00% |
| BRADFORD DILLION3 Filed as: BRADFORD SEAN DILLION | 2 RIVERCHASE RDG STE 200 BIRMINGHAM, AL 35244 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $199 | — | $199 | 1.00% |
| ENROLLEASE Filed as: DIGITAL INSURANCE COMPANY | 200 GALLERIA PKWY SE, SUITE 1950 ATLANTA, GA 30339 | NATIONAL GUARDIAN LIFE INSURANCE COMANY | $1K | — | $1K | 9.16% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 35246 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $985 | $416 | $1K | 12.80% |
| ROBERT D VOUGHT3 Filed as: ROBERT D. VOUGHT | 4750 AIRPORT BLVD MOBILE, AL 36608 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $438 | — | $438 | 4.00% |
| JOSEPH CLAY WALDEN3 | 33485 ALDER CIR SPANISH FORT, AL 36527 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $110 | — | $110 | 1.00% |
| BRADFORD DILLION3 Filed as: BRADFORD SEAN DILLION | 2 RIVERCHASE RDG STE 200 HOOVER, AL 35244 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $110 | — | $110 | 1.00% |
| CHANE SAMANTHA HINES3 | 300 LEE RD 669 AUBURN, AL 36832 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $74 | — | $74 | 0.91% |
| D'ARCIPRETE & ASSOCIATES INC Filed as: D'ARCIPRETE & ASSOCIATES | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $37 | — | $37 | 0.46% |
| MINOR AND ASSOCIATES INC Filed as: MINOR & ASSOCIATES INC | 4626 STARBOARD LANE ORANGE BEACH, AL 36561 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $30 | — | $30 | 0.37% |
| RICHARD BOWEN | 1701 WOODBRIDGE CIR FOLEY, AL 36535 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $14 | — | $14 | 0.17% |
| ALABAMA BENEFIT COUNSELORS LLC | 4626 STARBOARD LANE ORANGE BEACH, AL 36561 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $6 | — | $6 | 0.07% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 35246 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $695 | $306 | $1K | 12.97% |
| ROBERT D VOUGHT3 Filed as: ROBERT D. VOUGHT | 4750 AIRPORT BLVD MOBILE, AL 36608 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $309 | — | $309 | 4.00% |
| JOSEPH CLAY WALDEN3 | 33485 ALDER CIR SPANISH FORT, AL 36527 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $77 | — | $77 | 1.00% |
| BRADFORD DILLION3 Filed as: BRADFORD SEAN DILLION | 2 RIVERCHASE RDG STE 200 BIRMINGHAM, AL 35244 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $77 | — | $77 | 1.00% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 35246 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $603 | $259 | $862 | 12.87% |
| ROBERT D VOUGHT3 Filed as: ROBERT D. VOUGHT | 4750 AIRPORT BLVD MOBILE, AL 36608 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $268 | — | $268 | 4.00% |
| JOSEPH CLAY WALDEN3 | 33485 ALDER CIR SPANISH FORT, AL 36527 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $67 | — | $67 | 1.00% |
| BRADFORD DILLION3 Filed as: BRADFORD SEAN DILLION | 2 RIVERCHASE RDG STE 200 BIRMINGHAM, AL 35244 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $67 | — | $67 | 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 | 105 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 105 | $1.0M |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 105 | $1.0M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMANY | 128 | $11K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $27K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 20 | $19K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 105 | $1.0M |
| Other(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 112 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.