| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM C HUDSPETH Filed as: WILLIAM C HUDSPETH JR | P. O. BOX 17722 MEMPHIS, TN 381870722 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| WILLIAM C HUDSPETH Filed as: WILLIAM C HUDSPETH JR | P. O. BOX 17722 MEMPHIS, TN 381870722 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $455 | — | $455 | 5.00% |
| WILLIAM C HUDSPETH Filed as: WILLIAM C HUDSPETH JR | P. O. BOX 17722 MEMPHIS, TN 381870722 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| WILLIAM C HUDSPETH Filed as: WILLIAM C HUDSPETH JR | P. O. BOX 17722 MEMPHIS, TN 381870722 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $767 | — | $767 | 10.00% |
| WILLIAM C HUDSPETH Filed as: WILLIAM C HUDSPETH JR | P. O. BOX 17722 MEMPHIS, TN 381870722 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $735 | — | $735 | 10.00% |
| BADEN RETIREMENT PLAN SVCS | 6920 POINTE INVERNESS WAY, STE 300 FORT WAYNE, IN 46804 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | — |
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 | 104 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 92 | $805K |
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 81 | $54K |
| Vision | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 57 | $9K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 104 | $8K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 33 | $8K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 33 | $7K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 92 | $805K |
| Other(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 104 | $813K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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.