| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC Filed as: USI | P.O. BOX 2066 BIRMINGHAM, AL 35201 | LLOYDS | $34K | — | $34K | 10.00% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 35246 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 12.79% |
| BRENDA ADKINSON BARNES3 | 822 BOAT LANDING RD 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 | $434 | — | $434 | 1.00% |
| BRADFORD DILLION3 Filed as: BRADFORD S DILLON | 2 RIVERCHASE RIDGE # 200 BIRMINGHAM, AL 35244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $434 | — | $434 | 1.00% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 35246 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 12.76% |
| BRENDA ADKINSON BARNES3 | 822 BOAT LANDING RD GORDON, AL 36343 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.00% |
| JOHN T WILLIAMS3 | 4465 PARK BLVD MONTGOMERY, AL 36116 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $328 | — | $328 | 1.00% |
| BRADFORD DILLION3 Filed as: BRADFORD S DILLION | 2 RIVERCHASE RIDGE # 200 BIRMINGHAM, AL 35244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $328 | — | $328 | 1.00% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 35246 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $802 | $3K | 13.00% |
| BRENDA ADKINSON BARNES3 | 822 BOAT LANDING RD GORDON, AL 36343 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $803 | — | $803 | 4.00% |
| JOHN T WILLIAMS3 | 4465 PARK BLVD MONTGOMERY, AL 36116 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $201 | — | $201 | 1.00% |
| BRADFORD DILLION3 Filed as: BRADFORD S DILLION | 2 RIVERCHASE RIDGE # 200 BIRMINGHAM, AL 35244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $201 | — | $201 | 1.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 ADMIN SERVICES ONLY | Insurance services; Plan Administrator; Claims processing Service code 12 | PO BOX 995 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35298 | $222K |
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 | 283 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 323 | $20K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 319 | $43K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 323 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.