| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI UNDERSTAND.SERVICE.INNOVATE | P.O. BOX 2066 BIRMINGHAM, AL 35201 | HCC LIFE INSURANCE COMPANY | $46K | — | $46K | 17.66% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 35246 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $790 | $5K | 10.86% |
| BRENDA ADKINSON BARNES3 | 822 BOAT LANDING RD GORDON, AL 36343 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $937 | — | $937 | 2.20% |
| GARY M. STOREY3 Filed as: GARY M STOREY | PO BOX 6751 DOTHAN, AL 36303 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $766 | — | $766 | 1.80% |
| BRADFORD DILLION3 Filed as: BRADFORD S DILLION | 2 RIVERCHASE RIDGE # 200 BIRMINGHAM, AL 35244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $426 | — | $426 | 1.00% |
| RICHARD E. BYRD3 Filed as: RICHARD E BYRD | 3713 TUDOR LN S MOBILE, AL 36608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $325 | — | $325 | 0.76% |
| JOHN T WILLIAMS3 | 4465 PARK BLVD MONTGOMERY, AL 36116 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $100 | — | $100 | 0.23% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 35246 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $632 | $4K | 10.93% |
| BRENDA ADKINSON BARNES3 | 822 BOAT LANDING RD GORDON, AL 36343 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $692 | — | $692 | 2.12% |
| GARY M. STOREY3 Filed as: GARY M STOREY | PO BOX 6751 DOTHAN, AL 36303 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $614 | — | $614 | 1.88% |
| BRADFORD DILLION3 Filed as: BRADFORD S DILLION | 2 RIVERCHASE RIDGE # 200 BIRMINGHAM, AL 35244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $327 | — | $327 | 1.00% |
| RICHARD E. BYRD Filed as: RICHARD E BYRD | 3713 TUDOR LN S MOBILE, AL 36608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $252 | — | $252 | 0.77% |
| JOHN T WILLIAMS3 | 4465 PARK BLVD MONTGOMERY, AL 36116 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $74 | — | $74 | 0.23% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 35246 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $428 | $2K | 10.99% |
| BRENDA ADKINSON BARNES3 | 822 BOAT LANDING GORDON, AL 36343 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $458 | — | $458 | 2.13% |
| GARY M. STOREY3 Filed as: GARY M STOREY | PO BOX 6751 DOTHAN, AL 36303 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $402 | — | $402 | 1.87% |
| BRADFORD DILLION3 Filed as: BRADFORD S DILLION | 2 RIVERCHASE RIDGE # 200 BIRMINGHAM, AL 35244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $215 | — | $215 | 1.00% |
| RICHARD E. BYRD3 Filed as: RICHARD E BYRD | 3713 TUDOR LN S MOBILE, AL 36608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $165 | — | $165 | 0.77% |
| JOHN T WILLIAMS3 | 4465 PARK BLVD MONTGOMERY, AL 36116 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $50 | — | $50 | 0.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 ADMIN SERVICES ONLY | Insurance services; Claims processing; Plan Administrator Service code 12 | P.O. BOX 995 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35298 | $194K |
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 | 271 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 298 | $21K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 278 | $43K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 275 | $259K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 298 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.