| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY A. HUDNALL3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.06% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 352462142 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.63% |
| BRADFORD DILLION3 Filed as: BRADFORD S. DILLION | 2 RIVERCHASE RIDGE # 200 BIRMINGHAM, AL 35244 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $747 | — | $747 | 1.00% |
| JOSEPH P CALARCO3 Filed as: JOSEPH C. WALDEN | 33485 ALDER CIR SPANISH FORT, AL 36527 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $747 | — | $747 | 1.00% |
| KATHRYN S WILLIAMS3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $234 | — | $234 | 0.31% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 352462142 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 8.66% |
| TIMOTHY A. HUDNALL3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.03% |
| BRADFORD DILLION3 Filed as: BRADFORD S. DILLION | 2 RIVERCHASE RIDGE # 200 BIRMINGHAM, AL 35244 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $737 | — | $737 | 1.00% |
| JOSEPH P CALARCO3 Filed as: JOSEPH C. WALDEN | 33485 ALDER CIR SPANISH FORT, AL 35627 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $737 | — | $737 | 1.00% |
| KATHRYN S WILLIAMS3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $230 | — | $230 | 0.31% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 352462142 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 8.27% |
| TIMOTHY A. HUDNALL3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.68% |
| BRADFORD DILLION3 Filed as: BRADFORD S. DILLION | 2 RIVERCHASE RIDGE # 200 BIRMINGHAM, AL 35244 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.13% |
| JOSEPH P CALARCO3 Filed as: JOSEPH C. WALDEN | 33485 ALDER CIR SPANISH FORT, AL 36527 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $591 | — | $591 | 0.92% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 352462142 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.00% |
| TIMOTHY A. HUDNALL3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $490 | — | $490 | 2.00% |
| KATHRYN S WILLIAMS3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $490 | — | $490 | 2.00% |
| BRADFORD DILLION3 Filed as: BRADFORD S. DILLION | 2 RIVERCHASE RIDGE # 200 BIRMINGHAM, AL 35244 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $245 | — | $245 | 1.00% |
| JOSEPH P CALARCO3 Filed as: JOSEPH C. WALDEN | 33485 ALDER CIR SPANISH FORT, AL 36527 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $245 | — | $245 | 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 | 191 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF ALABAMA | 191 | $2.3M |
| Dental | BLUE CROSS & BLUE SHIELD OF ALABAMA | 191 | $2.3M |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 191 | $89K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 141 | $74K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF ALABAMA | 191 | $2.3M |
| Other(4 contracts, 2 carriers) | BLUE CROSS & BLUE SHIELD OF ALABAMA | 191 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.
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.