| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABLE BENEFIT SOLUTIONS3 | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $0 | $12K | 11.81% |
| TIMOTHY A. HUDNALL3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.18% |
| DALLAS M. HOWELL3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.18% |
| JOSEPH P CALARCO3 Filed as: JOSEPH C. WALDEN | 33485 ALDER CIR SPANISH FORT, AL 36527 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $588 | $0 | $588 | 0.59% |
| BRADFORD DILLION3 Filed as: BRADFORD S. DILLION | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $251 | $0 | $251 | 0.25% |
| ABLE BENEFIT SOLUTIONS3 | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 12.03% |
| DALLAS M. HOWELL3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $948 | $0 | $948 | 1.09% |
| TIMOTHY A. HUDNALL3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $948 | $0 | $948 | 1.09% |
| JOSEPH P CALARCO3 Filed as: JOSEPH C. WALDEN | 33485 ALDER CIR SPANISH FORT, AL 36527 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $474 | $0 | $474 | 0.55% |
| BRADFORD DILLION3 Filed as: BRADFORD S. DILLION | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $210 | $0 | $210 | 0.24% |
| ABLE BENEFIT SOLUTIONS3 | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 11.88% |
| TIMOTHY A. HUDNALL3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $976 | $0 | $976 | 1.15% |
| DALLAS M. HOWELL3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $976 | $0 | $976 | 1.15% |
| JOSEPH P CALARCO3 Filed as: JOSEPH C. WALDEN | 33485 ALDER CIR SPANISH FORT, AL 36527 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $488 | $0 | $488 | 0.58% |
| BRADFORD DILLION3 Filed as: BRADFORD S. DILLION | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $209 | $0 | $209 | 0.25% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS & BLUE SHIELD OF ALABAMA | 450 RIVERCHASE PKWY E BIRMINGHAM, AL 35244 | VISION SERVICE PLAN | $6K | — | $6K | 10.01% |
| ABLE BENEFIT SOLUTIONS3 | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 11.77% |
| TIMOTHY A. HUDNALL3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $372 | — | $372 | 1.19% |
| DALLAS M. HOWELL3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $372 | $0 | $372 | 1.19% |
| JOSEPH P CALARCO3 Filed as: JOSEPH C. WALDEN | 33485 ALDER CIR SPANISH FORT, AL 36527 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $186 | $0 | $186 | 0.59% |
| BRADFORD DILLION3 Filed as: BRADFORD S. DILLION | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $82 | $0 | $82 | 0.26% |
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 | 214 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF ALABAMA | 214 | $3.1M |
| Dental | BLUE CROSS & BLUE SHIELD OF ALABAMA | 214 | $3.1M |
| Vision | VISION SERVICE PLAN | 129 | $60K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 211 | $118K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 162 | $85K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF ALABAMA | 214 | $3.1M |
| Other(4 contracts, 2 carriers) | BLUE CROSS & BLUE SHIELD OF ALABAMA | 214 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.