| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 35246 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | — | $30K | 9.00% |
| PAUL S. SIMMONS, II3 | 100 HOLLAND COVE PELHAM, AL 35124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 4.05% |
| BRADFORD DILLION3 Filed as: BRADFORD S. DILLION | 2 RIVERCHASE RIDGE, STE 200 BIRMINGHAM, AL 35244 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.05% |
| DAVID ROY BROOKS3 Filed as: DAVID E. PLATT, III | 375 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35244 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 0.82% |
| WILLIAM G. BRUNER3 | 812 HICKORY TRACE CIRCLE HOOVER, AL 35244 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $276 | — | $276 | 0.08% |
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 | 415 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 415 | $334K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 415 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 415 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.