| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 35246 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $1K | $9K | 10.36% |
| MARY PEERSON ASHLEY3 | 4465 PARK BOULEVARD MONTGOMERY, AL 36116 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.00% |
| BRADFORD DILLION3 Filed as: BRADFORD S. DILLION | 3800 COLONNADE PARKWAY, SUITE 240 BIRMINGHAM, AL 35243 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $847 | $0 | $847 | 1.00% |
| RICHARD E. BYRD3 | 3713 TUDOR LAND SOUTH MOBILE, AL 36608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $847 | $0 | $847 | 1.00% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 35246 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $454 | $2K | 11.31% |
| MARY PEERSON ASHLEY3 | 4465 PARK BOULEVARD MONTGOMERY, AL 36116 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $545 | $0 | $545 | 3.67% |
| JACKSON STEPHEN FLOWERS3 | PO BOX 973 TROY, AL 36081 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $185 | $0 | $185 | 1.24% |
| RICHARD E. BYRD3 | 3713 TUDOR LAND SOUTH MOBILE, AL 36608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $136 | $0 | $136 | 0.92% |
| BRADFORD DILLION3 Filed as: BRADFORD S. DILLION | 3800 COLONNADE PARKWAY, SUITE 240 BIRMINGHAM, AL 35243 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $136 | $0 | $136 | 0.92% |
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 | 235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 260 | $1.0M |
| Vision(2 contracts) | COMPBENEFITS INSURANCE COMPANY | 235 | $0 |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 235 | $100K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 96 | $85K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 96 | $85K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 260 | $1.0M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 235 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.