| 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 | $64K | $0 | $64K | 11.66% |
| ANT FARM3 Filed as: ANT FARM LLC | 291 HERITAGE WALK WOODSTOCK, AL 30188 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $35K | $35K | 6.32% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN AND HALL, INC. | 115 OFFICE PARK DRIVE, SUITE 200 MOUNTAIN BROOK, AL 35223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $14K | $23K | 4.28% |
| CAREY PHILLIPS WILLIAMS3 | UNKNOWN BIRMINGHAM, AL 35223 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $14K | $14K | 9.62% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN AND HALL, INC. | 15 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | — | $11K | $11K | 7.87% |
| PROVIDENCE ADVISORS LLC3 Filed as: PROVIDENCE BENEFITS | UNKNOWN BIRMINGHAM, AL 35223 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $3K | $3K | 1.94% |
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 | 2,451 | 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) | 2,451 | 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 | 354 | $2.0M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,451 | $549K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,451 | $549K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,451 | $549K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,451 | $549K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,451 | $549K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 354 | $2.0M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,451 | $549K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,451 | — |
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.