| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | 2101 6TH AVENUE N STE 1200 BIRMINGHAM, AL 352032776 | RELIASTAR LIFE INSURANCE COMPANY | $40K | $0 | $40K | 9.00% |
| ABLE BENEFIT SOLUTIONS3 Filed as: ABLE BENEFIT SOLUTIONS INC. | PO BOX 11407 DEPT #2142 BIRMINGHAM, AL 352460100 | RELIASTAR LIFE INSURANCE COMPANY | $16K | $0 | $16K | 3.60% |
| JOHN M NIBLETT3 | 375 RIVERCHASE PKWY E BIRMINGHAM, AL 352441814 | RELIASTAR LIFE INSURANCE COMPANY | $7K | $0 | $7K | 1.60% |
| BRADFORD DILLION3 | 2 RIVERCHASE RDG SUITE 200 BIRMINGHAM, AL 352442892 | RELIASTAR LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.40% |
| WILLIAM G. BRUNER3 Filed as: WILLIAM G BRUNER | 812 HICKORY TRACE CIRCLE HOOVER, AL 352444545 | RELIASTAR LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.30% |
| DAVID E. PLATT3 Filed as: DAVID E PLATT | 3700 MONTEVALLO RD S MOUNTAIN BROOK, AL 352134208 | RELIASTAR LIFE INSURANCE COMPANY | $447 | $0 | $447 | 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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 2,580 | $447K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,580 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.