| 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 | $1K | $3K | 15.57% |
| ROBERT D VOUGHT3 Filed as: ROBERT D. VOUGHT | 4750 AIRPORT BLVD MOBILE, AL 36608 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $787 | — | $787 | 4.00% |
| JOSEPH CLAY WALDEN3 | 33485 ALDER CIR SPANISH FORT, AL 36527 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $197 | — | $197 | 1.00% |
| BRADFORD DILLION3 Filed as: BRADFORD SEAN DILLION | 2 RIVERCHASE RDG STE 200 HOOVER, AL 35244 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $197 | — | $197 | 1.00% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE COMPANY | 200 GALLERIA PKWY SE, SUITE 1950 ATLANTA, GA 30339 | NATIONAL GUARDIAN LIFE INSURANCE COMANY | $1K | — | $1K | 10.00% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 35246 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $710 | $2K | 15.29% |
| ROBERT D VOUGHT3 Filed as: ROBERT D. VOUGHT | 4750 AIRPORT BLVD MOBILE, AL 36608 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $452 | — | $452 | 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% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 35246 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $637 | $499 | $1K | 16.06% |
| ROBERT D VOUGHT3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $283 | — | $283 | 4.00% |
| 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% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 35246 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $592 | $434 | $1K | 15.59% |
| ROBERT D VOUGHT3 Filed as: ROBERT D. VOUGHT | 4750 AIRPORT BLVD MOBILE, AL 36608 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $263 | — | $263 | 4.00% |
| JOSEPH CLAY WALDEN3 | 33485 ALDER CIR SPANISH FORT, AL 36527 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $66 | — | $66 | 1.00% |
| BRADFORD DILLION3 Filed as: BRADFORD SEAN DILLION | 2 RIVERCHASE RDG STE 200 BIRMINGHAM, AL 35244 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $66 | — | $66 | 1.00% |
| AUBURN BENEFITS SOLUTIONS LLC3 | 300 LEE RD 669 AUBURN, AL 36832 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $39 | — | $39 | 0.81% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $19 | — | $19 | 0.39% |
| MINOR AND ASSOCIATES INC3 | 4626 STARBOARD LANE ORANGE BEACH, AL 36561 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $19 | — | $19 | 0.39% |
| RICHARD BOWEN3 | 1701 WOODBRIDGE CIR FOLEY, AL 36535 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $8 | — | $8 | 0.17% |
| NICOLE D BOWEN3 | 2459 WILLIAMSON RD LUVERNE, AL 36049 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $5 | — | $5 | 0.10% |
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 | 102 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 102 | $1.0M |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 102 | $1.0M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMANY | 131 | $12K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $26K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 22 | $16K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 102 | $1.0M |
| Other(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 114 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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."
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.