| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UTIC INSURANCE COMPANY3 | 450 RIVERCHASE PKWY E BIRMINGHAM, AL 35244 | SUN LIFE ASSURANCE COMPANY OF CANADA | $43K | — | $43K | 10.00% |
| USI INSURANCE SERVICES LLC3 | 1000 URBAN CENTER DR STE 625 BIRMINGHAM, AL 35242 | SUN LIFE ASSURANCE COMPANY OF CANADA | $30K | — | $30K | 7.00% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 35246 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $8K | 12.62% |
| SONIA POWELL3 Filed as: SONIA SLAPPY POWELL | 117 ADRIS PLACE DOTHAN, AL 36303 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.67% |
| BRADFORD DILLION3 Filed as: BRADFORD S DILLON | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $611 | — | $611 | 1.00% |
| TROY MAXWELL3 Filed as: TROY A MAXWELL | 3320 SKYWAY DR STE 601 OPELIKA, AL 36801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $611 | — | $611 | 1.00% |
| BRENDA ADKINSON BARNES3 | 822 BOAT LANDING RD GORDON, AL 36343 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $199 | — | $199 | 0.33% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 36303 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 9.00% |
| SONIA POWELL3 Filed as: SONIA SLAPPY POWELL | 117 ADRIS PLACE DOTHAN, AL 36303 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.69% |
| BRADFORD DILLION3 Filed as: BRADFORD S DILLON | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $334 | — | $334 | 1.00% |
| TROY MAXWELL3 Filed as: TROY A MAXWELL | 3320 SKYWAY DR STE 601 OPELIKA, AL 36801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $334 | — | $334 | 1.00% |
| BREDNA ADKINSON BARNES3 | 822 BOAT LANDING RD GORDON, AL 36343 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $105 | — | $105 | 0.31% |
| ABLE BENEFIT SOLUTIONS3 Filed as: ABLE BENEFITS SOLUTION | PO BOX 11407 BIRMINGHAM, AL 35246 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 12.60% |
| SONIA POWELL3 Filed as: SONIA SLAPPY POWELL | 117 ADRIS PLACE DOTHAN, AL 36303 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.68% |
| BRADFORD DILLION3 Filed as: BRADFORD S DILLON | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $279 | — | $279 | 1.00% |
| TROY MAXWELL3 Filed as: TROY A MAXWELL | 3320 SKYWAY DR STE 601 OPELIKA, AL 36801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $279 | — | $279 | 1.00% |
| BRENDA ADKINSON BARNES3 | 822 BOAT LANDING RD GORDON, AL 36343 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $90 | — | $90 | 0.32% |
| 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 | 450 RIVERCHASE PARKWAY EAST P.O. BOX 995 BIRMINGHAM, AL 35298 | $252K |
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 | 343 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 338 | $28K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 337 | $61K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 308 | $426K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 338 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.