| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S S NESBITT & CO INC3 | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | GUARDIAN | $9K | — | $9K | 10.00% |
| ABLE BENEFIT SOLUTIONS3 Filed as: ABLE BENEFIT SOLUTIONS, INC. | PO BOX 11407 DEPT #2142 BIRMINGHAM, AL 35246 | USABLE LIFE | $2K | — | $2K | 6.00% |
| REYNOLDS, SAMUEL3 | 1400 JACK WARNER PKWY STATION #40 TUSCALOOSA, AL 35404 | USABLE LIFE | $613 | — | $613 | 2.00% |
| KEITH, ELLEN3 | C/O BCBS OF ALABAMA 420 RIVERCHASE PARKWAY E. BIRMINGHAM, AL 35244 | USABLE LIFE | $613 | — | $613 | 2.00% |
| BRUNER, WILLIAM3 | 812 HICKORY TRACE CIRCLE HOOVER, AL 35244 | USABLE LIFE | $307 | — | $307 | 1.00% |
| DILLION, BRADFORD3 | 3556 KINGSHILL RD MOUNTAIN BROOK, AL 35223 | USABLE LIFE | $307 | — | $307 | 1.00% |
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 | 252 | 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) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | GUARDIAN | 252 | $110K |
| Vision | GUARDIAN | 252 | $89K |
| Life insurance | USABLE LIFE | 329 | $31K |
| Other | USABLE LIFE | 329 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.