| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAMS FINANCIAL3 Filed as: WILLIAMS FINANCIAL INC | 3756 VALLEY HEAD ROAD BIRMINGHAM, AL 35223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $60K | $0 | $60K | 11.77% |
| ANT FARM3 Filed as: ANT FARM LLC | 291 HERITAGE WALK WOODSTOCK, GA 30188 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $33K | $33K | 6.45% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL | 115 OFFICE PARK DRIVE, SUITE 200 MOUNTAIN BROOK, AL 35223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $15K | $20K | 4.01% |
| WILLIAMS FINANCIAL3 | UNKNOWN BIRMINGHAM, AL 35223 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $15K | $15K | 9.73% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $8K | $8K | 5.26% |
| PROVIDENCE ADVISORS LLC3 Filed as: PROVIDENCE BENEFITS | UNKNOWN BIRMINGHAM, AL 35223 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $8K | $8K | 5.26% |
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 | 1,418 | 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) | 1,418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 309 | $1.8M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,418 | $507K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,418 | $507K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,418 | $507K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,418 | $507K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,418 | $507K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 309 | $1.8M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,418 | $507K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,418 | — |
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.