| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 352462142 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $3K | $10K | 12.79% |
| TIMOTHY A. HUDNALL3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.00% |
| DALLAS M. HOWELL3 Filed as: DALLAS M HOWELL | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $928 | — | $928 | 1.21% |
| BRADFORD DILLION3 Filed as: BRADFORD S. DILLION | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $766 | — | $766 | 1.00% |
| JOSEPH P CALARCO3 Filed as: JOSEPH C. WALDEN | 33485 ALDER CIR SPANISH FORT, AL 36527 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $766 | — | $766 | 1.00% |
| KATHRYN S WILLIAMS3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $604 | — | $604 | 0.79% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 352462142 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $3K | $10K | 12.89% |
| TIMOTHY A. HUDNALL3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.00% |
| DALLAS M. HOWELL3 Filed as: DALLAS M HOWELL | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $885 | — | $885 | 1.19% |
| BRADFORD DILLION3 Filed as: BRADFORD S. DILLION | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $742 | — | $742 | 1.00% |
| JOSEPH P CALARCO3 Filed as: JOSEPH C. WALDEN | 33485 ALDER CIR SPANISH FORT, AL 36527 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $742 | — | $742 | 1.00% |
| KATHRYN S WILLIAMS3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $599 | — | $599 | 0.81% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 352462142 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $3K | $9K | 12.78% |
| TIMOTHY A. HUDNALL3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.32% |
| DALLAS M. HOWELL3 Filed as: DALLAS M HOWELL | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $828 | — | $828 | 1.20% |
| JOSEPH P CALARCO3 Filed as: JOSEPH C. WALDEN | 33485 ALDER CIR SPANISH FORT, AL 36527 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $690 | — | $690 | 1.00% |
| BRADFORD DILLION3 Filed as: BRADFORD S. DILLION | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $690 | — | $690 | 1.00% |
| KATHRYN S WILLIAMS3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $334 | — | $334 | 0.48% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 352462142 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $984 | $4K | 12.37% |
| TIMOTHY A. HUDNALL3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $584 | — | $584 | 2.00% |
| DALLAS M. HOWELL3 Filed as: DALLAS M HOWELL | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $360 | — | $360 | 1.23% |
| BRADFORD DILLION3 Filed as: BRADFORD S. DILLION | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $292 | — | $292 | 1.00% |
| JOSEPH P CALARCO3 Filed as: JOSEPH C. WALDEN | 33485 ALDER CIR SPANISH FORT, AL 36527 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $292 | — | $292 | 1.00% |
| KATHRYN S WILLIAMS3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $224 | — | $224 | 0.77% |
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 | 215 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF ALABAMA | 215 | $2.5M |
| Dental | BLUE CROSS & BLUE SHIELD OF ALABAMA | 215 | $2.5M |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 241 | $98K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 172 | $74K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF ALABAMA | 215 | $2.5M |
| Other(4 contracts, 2 carriers) | BLUE CROSS & BLUE SHIELD OF ALABAMA | 241 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.