| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABLE BENEFIT SOLUTIONS3 | 2 RIVERCHASE RDG SUITE 200 HOOVER, AL 35244 | VISION SERVICE PLAN | $418 | — | $418 | 4.01% |
| ELLEN C. KEITH3 Filed as: ELLEN KEITH | 420 RIVERCHASE PRKWY E HOOVER, AL 35244 | VISION SERVICE PLAN | $417 | — | $417 | 4.00% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFITS AGENCY | 17500 CHENAL PARKWAY SUITE 150 LITTLE ROCK, AR 72223 | VISION SERVICE PLAN | $209 | — | $209 | 2.00% |
| DAVID E. PLATT3 Filed as: DAVID PLATT | 3700 MONTEVALLO ROAD S MOUNTAIN BRK, AL 35213 | VISION SERVICE PLAN | $104 | — | $104 | 1.00% |
| BRADFORD DILLION3 | 10 MONTEVALLO TER MOUNTAIN BROOK, AL 35213 | VISION SERVICE PLAN | $104 | — | $104 | 1.00% |
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 | 98 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 45 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 45 | — |
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.