| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABLE BENEFIT SOLUTIONS3 Filed as: ABLE BENEFIT SOLUTIONS INC. | 3800 COLONNADE PARKWAY SUITE 240 BIRMINGHAM, AL 35243 | DEARBORN LIFE INSURANCE COMPANY | $8K | $5K | $14K | 18.43% |
| JOSEPH A AVERY3 | 112 CLUB WAY ENTERPRISE, AL 36330 | DEARBORN LIFE INSURANCE COMPANY | $3K | $30 | $3K | 4.47% |
| JOSEPH P CALARCO3 Filed as: JOSEPH C WALDEN | 33485 ALDER CIR SPANISH FORT, AL 36527 | DEARBORN LIFE INSURANCE COMPANY | $882 | $8 | $890 | 1.20% |
| BRADFORD DILLION3 Filed as: BRADFORD S DILLION | 2 RIVER CHASE RIDGE BIRMINGHAM, AL 35244 | DEARBORN LIFE INSURANCE COMPANY | — | $8 | $8 | 0.01% |
| ABLE BENEFIT SOLUTIONS3 Filed as: ABLE BENEFIT SOLUTIONS INC. | P.O. BOX 11407 DEPT #2142 BIRMINGHAM, AL 35246 | USABLE LIFE | $3K | — | $3K | 7.33% |
| JOSEPH A AVERY3 | 1400 COBB LANE ENTERPRISE, AL 36330 | USABLE LIFE | $1K | — | $1K | 4.00% |
| JOSEPH P CALARCO3 Filed as: JOSEPH C WALDEN | 33485 ALDER CIR SPANISH FORT, AL 36527 | USABLE LIFE | $503 | — | $503 | 1.46% |
| UNITED TRUST INSURANCE COMPANY3 | C/O UTIC-DAVID CLAYTON 450 RIVERCHASE PKWY EAST BIRMINGHAM, AL 35244 | USABLE LIFE | $368 | — | $368 | 1.07% |
| BRADFORD DILLION3 Filed as: BRADFORD S DILLION | 3556 KINGSHILL RD MOUNTAIN BRK, AL 35223 | USABLE LIFE | $345 | — | $345 | 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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 132 | $108K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 132 | $74K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 132 | $74K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 132 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.