| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ABACUS GROUP LLC3 | 2541 LAFAYETTE PLAZA DRIVE ALBANY, GA 31707 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 16.13% |
| DAN PRIDGEN JR.3 | 613 SKYLINE DRIVE EAST MOBILE, AL 36609 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 6.85% |
| BENJAMIN SCHOENFELD3 | 9671 PLEASANT ROAD DAPHNE, AL 36526 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 6.85% |
| DISABILITY RMS5 Filed as: DISABILITY RMS, INC. | ONE RIVERFRONT PLAZA WESTBROOK, ME 040929700 | UNION SECURITY INSURANCE COMPANY | — | $896 | $896 | 4.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS PERRIN FORSTER & CROSBY, INC | MELLON BANK CENTER 1735 MARKET STREET PHILADELPHIA, PA 191037501 | UNION SECURITY INSURANCE COMPANY | — | $313 | $313 | 1.50% |
| THE ABACUS GROUP LLC3 Filed as: THE ABACUS GROUP, LLC | 252 HARRY LANE BLVD., SUITE 100 KNOXVILLE, TN 37923 | UNION SECURITY INSURANCE COMPANY | — | $105 | $105 | 0.50% |
| BEN SCHOENFELD3 | 9671 PLEASANT RD DAPHNE, AL 365260521 | AMERICAN UNITED LIFE INSURANCE COMPANY | $1K | — | $1K | 7.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF AL EIN 63-0103830 HEALTH AND DENTAL ADMIN | Claims processing Service code 12 | PO BOX 995 BIRMINGHAM, AL 35298 | $3K |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 211 | $1.0M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 211 | $1.0M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 128 | $17K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 36 | $21K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 128 | $17K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 211 | $1.0M |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 211 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.