| 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 | $33K | — | $33K | 8.94% |
| ABLE BENEFIT SOLUTIONS3 Filed as: ABLE BENEFITS SOLUTIONS | PO BOX 11407 BIRMINGHAM, AL 35246 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 9.00% |
| BRENDA ADKINSON BARNES3 | 822 BOAT LANDING GORDON, AL 36343 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.00% |
| JOHN T WILLIAMS3 | 4465 PARK BLVD MONTGOMERY, AL 36116 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $456 | — | $456 | 1.00% |
| BRADFORD DILLION3 Filed as: BRADFORD S DILLON | 2 RIVERCHASE RIDGE # 200 BIRMINGHAM, AL 35244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $456 | — | $456 | 1.00% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 35246 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 9.00% |
| BRENDA ADKINSON BARNES3 | 822 BOAT LANDING RD GORDON, AL 36343 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.00% |
| BRADFORD DILLION3 Filed as: BRADFORD S DILLION | 2 RIVERCHASE RIDGE # 200 BIRMINGHAM, AL 35244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $281 | $281 | $562 | 2.00% |
| JOHN T WILLIAMS3 | 4465 PARK BLVD MONTGOMERY, AL 36116 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $281 | — | $281 | 1.00% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 35246 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.00% |
| BRENDA ADKINSON BARNES3 | 822 BOAT LANDING RD GORDON, AL 36343 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $743 | — | $743 | 4.00% |
| JOHN T WILLIAMS3 | 4465 PARK BLVD MONTGOMERY, AL 36116 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $186 | — | $186 | 1.00% |
| BRADFORD DILLION3 Filed as: BRADFORD S DILLON | 2 RIVERCHASE RIDGE # 200 BIRMINGHAM, AL 35244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $186 | — | $186 | 1.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 ADMIN SERVICES ONLY | Plan Administrator; Insurance services; Claims processing Service code 12 | PO BOX 995 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35298 | $206K |
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 | 290 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 311 | $19K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 311 | $46K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 287 | $367K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 324 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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.